Does home insurance cover mould damage?
No, home insurance doesn’t usually cover mould. Read on to learn why.
Key takeaways
- Most home insurance policies don't cover mould as it's considered to be preventable.
- You may have grounds to claim is mould comes about as a direct result of an insured event, like a flood.
- If your mould damage isn't the result of something like this, your insurer will deny the claim.
Home insurance and mould damage
Home insurance does not cover mould damage. This is because mould is seen as preventable or at the very least, manageable. Home insurance is designed for disasters that can't have been foreseen or reasonably managed, like a flood, a bushfire or a falling tree during a bad storm.
When does home insurance cover mould?
The only time your home insurance will cover mould damage is when it's the result of something else that is claimable. For example, if your house becomes flooded and that flooding causes mould — then you could be covered. Any claims for mould that aren't the result of something else more serious will likely be declined.
Our expert says
"It's essential to understand what your home insurance policy actually covers so you're not counting on it for something it doesn't cover. While a bit boring, reading your product disclosure statement is the best way to understand what you're covered for. Usually, if it's a preventable issue, you're probably not covered."
FAQs
Sources
More resources on Finder
Ask a question
More guides on Finder
-
House break-ins in Australia: How to stay safe and reduce risk
Find out how many house break-ins happen in Australia each year, why the numbers are rising and what it means for your home insurance.
-
Food spoilage insurance
How home insurance can cover you for food spoilage and save you hundreds on wasted food.
-
Shed insurance
Shed insurance can cover sheds of all shapes and sizes, as well as their often-valuable contents.
-
How useful is a home insurance calculator?
A home insurance calculator can give you a rough estimate on the value of your home and contents. But is that what you really want? Find out how to not underinsure or overinsure your home.
-
Home insurance for water damage
Find out how home insurance can cover water damage and how to avoid some of the pitfalls.
-
How to cancel your home insurance
Cancelling your home insurance is actually quite simple and you can do it at any time.
-
Landlord insurance vs home insurance
Landlord insurance offers much more than just home insurance because it also protects your property as a business.
-
Coles Home Insurance review
Coles Home Insurance is convenient and generous with its rewards. Just don’t forget to read the fine print.
-
Phone insurance – all you need to know
With a variety of insurance options to protect your mobile phone, here's what you need to know.
-
Real home insurance review
Compare the home insurance policies available from Real Insurance.