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  • Farmers Mutual SC.

Does Home Insurance Cover Mold?

Mold in your home is…well, gross. It can damage the structural integrity of your home and can be very bad for your health.

This is the reason why mold insurance is typically built into your homeowner’s insurance policy. Most home insurance policies will cover mold damage, but not if mold is preventable. Only “covered peril” or unexpected events that bring on mold are eligible for mold remediation.

Some of those “covered peril” situations are weather related, vandalism or theft, frozen pipes (within a reason), accidental leaks or discharge of air conditioner, appliances, etc.

Even if there is a peril event, your policy may only partially cover the repair bill as mold remediation is expensive.

Therefore, adding mold coverage can be a smart choice. The risk level determines your eligibility and cost such as age of home, humid states (such as ours), previous mold claims, etc. and the annual cost can vary between $500-$1500.

How to prevent mold from happening?

  • Maintaining indoor humidity (30-60%)

  • Having working exhaust fans in bathrooms and kitchens

  • Ripping up the carpeting in damp areas like the basement or bathroom and installing non-porous flooring/tile

  • Keeping an eye out for mold beneath the sinks, in crawl spaces or laundry rooms

  • Every couple of years, replacing laundry or dishwasher hoses

  • Making sure houseplants don’t have water beneath their pots

  • Regularly bleaching your bathroom

  • Cleaning the gutters often

Even though mold isn’t something that’s on your mind, it’s something you want to be protected against—just in case. Additionally, you also want to ensure that you regularly maintain your house and check for signs of mold to further protect yourself from a hefty mold remediation bill.

Don’t hesitate to reach out to us if you have any additional concerns or questions!

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