Do home insurance policies cover mold?

Home insurance policies may cover mold damage only when it results from a sudden and accidental event that is already covered, such as a burst pipe or water heater leak. Damage from long-term leaks, high humidity, or poor maintenance is usually excluded. Some insurers offer limited mold coverage or optional add-ons for broader protection. The extent of coverage depends on the policy terms, cause of the mold, and how quickly the homeowner reports and addresses the problem. Insurance typically requires proof that the mold growth was caused by a covered peril, not by neglect or lack of upkeep.