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Does State Farm renters insurance cover mold?
I have a State Farm renters insurance policy. I recently discovered my apartment has mold. I have to leave for a few days for mold remediation. I’m not sure how much it will cost. Will my State Farm renters insurance cover mold?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! I’m sorry you’re dealing with this. Your State Farm renters insurance may cover mold, depending on the type of policy you have.
Mold is typically excluded from coverage on homeowners and renters insurance policies unless you have a mold endorsement and a covered peril caused the damage. Examples of
covered perils
include:- Fire
- Hail
- Wind
- Smoke
- Accidental discharge or water or steam
- Accidental cracking, burning, tearing, or bulging of HVAC
If these or any other covered peril caused the mold, your personal property has coverage from damage. However, it isn’t your responsibility to pay for mold remediation in your apartment, nor is it covered under your insurance policy.
Your landlord is responsible for the upkeep and maintenance of the dwelling and other structures. They would have to check with their home insurance company to determine whether they’d have coverage for the mold remediation.
That said, State Farm may pay for a hotel since your apartment is currently uninhabitable. Renters insurance covers loss of use and additional expenses if a covered peril leaves your apartment uninhabitable.
To determine what coverage you have under your State Farm policy, you’ll want to review your policy’s terms and conditions or contact State Farm directly. An agent can give you more information regarding the coverage you have.
Since you’re reviewing your renters insurance coverage, now is a great time to shop around to ensure you’re getting the best coverage and rate with
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy. MORE: Does renters insurance cover mold?
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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