Most home insurance policies only cover mold infestation if it results from a covered peril, such as accidental water damage from a burst pipe or a washing machine leak. Homeowners insurance will not typically cover a mold infestation if it results from poorly sealed doors or windows, a leaky faucet that you have delayed fixing, a flood or a lack of ventilation in a damp room.
Discussing what is and is not covered with your insurance provider is critical. They can also recommend a homeowners insurance policy for you and your home.