United States
State Farm
Water that bursts suddenly from a pipe inside the home is typically covered.
Field Guide To 35 Home Insurers In 6 Countries
How Home Insurance Covers Mold Damage
Pick your insurer and see what mold it pays for, what it excludes, any dollar cap and how to claim.
Covered
United StatesRead Nov 12 2026
- Covered
- Mold may be covered when something sudden or accidental, such as a burst pipe, causes itSource, insurer page
- Excluded
- Mold from neglect, like a pipe that leaked under the sink for months, is likely not coveredSource, insurer page
- Mold cap
- $5,000Source, policy form
Find Your Insurer
United States
United States
Allstate
Mold cleanup money also covers mold testing and extra living costs if the home cannot be lived in.
United States
USAA
USAA may give limited help with mold when a covered water loss caused it.
United States
Liberty Mutual
Mold and rot may be covered only when a sudden, accidental covered peril caused them, like a burst pipe or appliance leak.
United States
Farmers
Mold may be covered when a sudden event like a burst pipe caused it, but not when ongoing moisture or poor upkeep caused it.
United States
Travelers
If a fire is put out by sprinklers or firefighters, the water damage and mold are covered.
United States
Nationwide
Mold caused by a covered event, usually water damage, should be covered.
United States
American Family
Limited mold coverage may apply when a covered loss caused it, like water used to put out a fire.
United States
Progressive Home
Mold may be covered when something sudden or accidental, such as a burst pipe, causes it.
United States
Homesite Insurance
Hidden mold inside walls, ceilings or floors is covered when it comes from an accidental leak or overflow from plumbing, heating...
United States
Chubb
Masterpiece pays for mold testing, a remediation plan, cleanup and repairs when a covered water damage loss caused the mold.
United States
Erie Insurance
Erie says mold is usually not covered by standard home policies, and damage from neglect is usually not covered either.
United States
Auto-Owners Insurance
Water damage that built up over a long time may be excluded, so report new water damage quickly.
United States
Lemonade
Mold is covered only when a covered peril like a burst pipe causes it and the mold is hidden in walls, ceilings or under floors.
United States
Hippo
Mold damage must be sudden and accidental to be covered, and Hippo reviews it case by case.
United States
Kin Insurance
Kin says you can generally claim mold that is a direct result of a covered peril, such as a burst pipe or appliance overflow.
United States
Openly
Mold may be covered when a sudden covered event, like a burst pipe or a broken water heater, causes it.
United States
Citizens Property Insurance Corporation
Citizens pays up to $10,000 for fungi, wet or dry rot, or bacteria under the property part of the HO 3 policy. The worksheet...
United States
California FAIR Plan
Flood, sewer or drain backup, and water that seeps through a foundation or wall are excluded.
United States
Texas FAIR Plan Association
If a covered peril damages property that has mold in it, that damage is covered, but not the extra cost to test, clean up or...
United States
Louisiana Citizens Property Insurance Corporation
The HO 3 form pays up to $10,000 for fungi, wet or dry rot, or bacteria property damage, and the limit cannot be raised.
Canada
Canada
TD Insurance
When covered water damage comes from a broken pipe, the policy pays up to $1,000 to fix that section of pipe.
Canada
Desjardins
Damage caused by dampness or condensation is excluded as gradual damage.
Canada
Intact Insurance
Damage caused by rot, fungi or spores, bacteria or condensation is not covered.
Canada
Aviva Canada
Some sudden water damage, like a burst pipe, may be covered even by a basic policy.
United Kingdom
United Kingdom
Aviva
Buildings cover includes damage from water escaping from tanks, pipes, plumbed in appliances, fixed equipment or the heating...
United Kingdom
Direct Line
Escape of water cover is limited to water or oil escaping from fixed water or heating systems, underground drains and pipes...
United Kingdom
Churchill
Escape of water cover is limited to water or oil escaping from fixed water or heating systems, underground drains and pipes...
United Kingdom
Admiral
Buildings cover does not pay for damage that happens gradually, through wear and tear or from a lack of maintenance.
Australia
Australia
AAMI
Mould is covered only when an insured event directly caused it and there was no mould already in that part of the building.
Australia
Suncorp
Mould is covered only when an insured event directly caused it and there was no mould already in that part of the home.
Australia
Budget Direct
Water damage from burst or leaking pipes and overflowing sinks, baths and appliances is covered as escape of liquid.
New Zealand
New Zealand
AA Insurance
Mould, mildew, rot and fungi that happened gradually are not covered.
New Zealand
Tower
Tower pays to repair hidden mould, mildew or rot to the house caused by a leaking water supply or disposal pipe, hose or tank.
Ireland
Ireland
Zurich Insurance
Escape of water cover does not pay for damage to tiles, walls, floors and ceilings from slow leaks or seepage around baths and...
How Moldy Is Your Policy
Five quick questions. Each answer shows the policy or regulator line behind it. It is a rough read for fun, and your own policy decides the claim.
What Most Policies Say About Mold
Most home policies pay for mold only when it comes from a covered water event, such as a pipe that bursts. Mold from a slow leak, humidity or skipped upkeep is usually excluded, and many US policies cap mold at a set dollar amount unless you buy more.
Of 35 insurers, 15 stamp Covered, 7 stamp Maybe and 13 stamp Nope. That rests on 255 sourced lines, and each one went live only after a second read found the same words on the source.
What Mold Removal Costs Where You Live
A typical professional mold job runs about $1,500 to $6,000 before rebuild, per the Remediational cost guide. We scale that by the federal price level of each metro and show what local remediation workers earn, so you can see if a policy cap would cover a typical job. In Las Vegas that range is about $1,500 to $6,000.
Mold In A Las Vegas Home
RemediationX handles mold inspection and remediation in the Las Vegas valley from 4750 E Sahara Ave, Las Vegas, NV 89104.