Last Updated December 2025

Understanding mold coverage in renters insurance

Renters insurance generally can help with costs if mold grows because of “sudden and accidental” water damage that happens because of an event covered by your policy, according to the Insurance Information Institute (III). Mold coverage for renters applies much like it does for homeowners. Common scenarios include:

• A pipe bursts  
• An appliance like a dishwasher or washing machine springs a sudden leak 
• The bathtub in a unit upstairs overflows and water leaks down into your unit 
• Floors or walls are left waterlogged after a kitchen fire is put out 

If mold develops in your living space as a direct result of one of these covered events — for example, inside a wall after a pipe has ruptured — renters coverage may help pay costs related to mold removal and cleaning or replacing damaged belongings.

However, if mold grows because of situations that aren’t typically covered, such as poor maintenance, damage is typically excluded.

Coverage can vary by insurer and by policy. For instance, some insurers may offer added, optional mold coverage through endorsements or riders that expand protection.

Review your policy or check with your insurance agent to help you understand how mold in your rental home might be covered.

Situations where mold damage is not covered

These are common scenarios where mold damage typically isn’t covered:

• Pre-existing mold issues. If the mold existed before you moved in, it’s considered a maintenance issue — not an insurable event. 
• Lack of upkeep. If mold grows because of a slow leak or an old roof that should have been sealed, the damage is typically not covered. According to III, most policies exclude mold damage caused by neglect or failure to report an issue — like a leak or mold growth — to your landlord immediately.  
• Humidity and poor ventilation. Mold that forms because of daily living conditions like long showers or drying clothes indoors is generally not covered. 
• Sump pump failure or sewer backup. Optional added water backup coverage may be available.  
• Flooding. To cover flood-related mold, you’d need a separate flood insurance policy through the National Flood Insurance Program (NFIP). 

Limits of mold coverage with renters insurance

Even when mold damage is covered, the maximum renters insurance can pay to help repair damage or replace items is your policy’s limit, minus the deductible. Some renters insurance policies cap mold-related claims for personal property damage at $5,000 or less, though limits vary widely.

Some insurers, including Farmers^®, may offer optional endorsements that increase mold coverage or add cleanup cost assistance.

What to do if you encounter mold

Acting quickly is key if you discover mold. First, check for a leak and take reasonable measures to prevent further damage until your landlord responds. Your landlord is responsible for providing habitable space.

1. Notify your landlord immediately. Reporting a leak or mold early allows the landlord to fix the cause before water damage spreads and causes mold to grow. 
2. Document the damage to support a claim. Take photos or videos of mold, any visible reason for the mold and all damaged items.  
3. Contact your insurance company. If you believe the mold resulted from a covered event, such as a plumbing leak, file a claim right away.  
4. Protect your belongings. Move unaffected items to a dry area. Avoid cleaning large moldy areas yourself to avoid spreading spores. 

Tips for preventing mold

• Control moisture. Run exhaust fans during showers and when cooking.  
• Use a dehumidifier or disposable moisture-reducing products. Keep humidity levels between 30% and 60% to help prevent mold growth. 
• Encourage your landlord or property manager to regularly inspect hoses, pipes and fittings for leaks or weakness. The landlord should consider replacing hoses to major appliances like washers and dishwashers every five years and installing leak detectors in vulnerable areas.  
• Look for signs of leaks under sinks, around windows and near appliances and report potential issues to your landlord or property manager. 
• Report leaks promptly. Notify your landlord about water issues before they cause damage. 

Common signs of mold include:

• Water stains and other damp or discolored spots 
• Musty, earthy smell 
• Unexplained allergy symptoms 
• Persistent dampness 

* In the event of a conflict between the information on this page and the terms and conditions of your policy, the policy language prevails. 

The information provided on this page is for informational purposes; it isn't professional or expert advice. Farmers makes no representations or warranties of any kind, express or implied, about the information. Reliance on it is strictly at your own risk. 

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