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Does State Farm home insurance cover mold?
We recently discovered mold growing behind the couch in the basement. I know we’re supposed to get the whole place checked out and cleaned. Will my State Farm home insurance cover mold?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
So sorry to hear about your mold situation! You’re doing the right thing to deal with the mold immediately.
A standard
homeowners policy
with State Farm does include coverage up to $10,000 for mold remediation, subject to your deductible. That said, most insurance companies, including
State Farm
will not cover the cost of mold damage like the kind you’re describing. Mold is a tricky topic in insurance as it can be difficult to pinpoint a covered peril that caused the damage. If you’re unsure whether your damage is covered under your policy, reach out to State Farm. An agent can go over your policy’s terms and conditions with you to ensure you understand your coverage.
Should you decide to make changes after reviewing your coverage, consider using
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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