Mold can be a beast to remove from any home. It can sneak into tiny cracks and crevices and get in behind your walls and infest your insulation. This can become costly and make you look to your home insurance policy to mitigate costs. Homeowners insurance will cover mold that is caused by one of the covered perils under the insurance policy. Homeowner insurance will not cover mold from flooding, acts of nature, or neglect. The line between a mold that is and that is not covered is fine. It is always a good idea to check with your insurance agent to confirm coverage.