Will Renters Insurance Cover Mold? 
Mold and fungus coverage may be covered under your renters insurance . But the coverage most likely will be limited to a certain number , like $ 5K or $ 25K and deductible will apply . To better answer this question , check your insurance policy . If you can electronically search for the word `` mold '' do that . For example , The Hartford Insurance Company generally will pay out for mold damage that 's a direct result of a peril that 's covered by your policy . Let 's say mold , which needs moisture to thrive , is caused by water from a failed pipe , a covered peril . In that case , any resulting mold damage should be covered because the source of the water is covered by your policy . However , if mold is due to long-term neglect or overdue maintenance , then homeowners insurance is unlikely to cover the damage . Visit our website and instantly compare 3 HO proposals from Hartford , Travelers , Safeco on WEBSITELINK 