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Does home insurance cover mould?

A mouldy wall pockmarked by rising damp

Mould is one of the many grey (in some cases green or black) areas of home insurance that, if not taken care of early, can cause irreversible damage to walls and linger beneath your carpet.

Will my home insurance cover mould?

Unfortunately, mould is not covered by home insurance in most cases. That’s because the damage caused by mould is considered preventable. 

That being said, there are some cases where your home insurance covers mould. 

If you've ever had to make a home insurance claim for storm or flood damage, then your insurance provider may consider mould growth to be an ongoing consequence of that claim.

So, it's only really in special cases that mould is covered by home insurance.

It largely depends on your home insurance provider’s treatment of mould damage. Always check your policy’s product disclosure statement (PDS) to see if there are any general exclusions that might disqualify a claim for mould.

How to claim home insurance for mould damage

1. Contact your home insurance provider 

As soon as something happens in your home that you think may be covered under your home insurance policy, contact your policy provider. Their contact info can be found on their website, or in the relevant PDS.

If your home is damaged and your policy covers you for it, contact your home insurance provider as soon as possible. 

Their contact info can usually be found online, or in your policy's PDS.

2. If mould starts to grow in connection with your claim, you'll need to prove the link 

Say, if you've made a claim for storm damage to your roof in the past, and mould has suddenly started to grow on your ceiling, your next step will be to prove that the two events are connected. 

You might need an expert opinion, but your home insurance provider should be able to point you in the right direction. 

3. Once proved, contact your policy provider to finalise your claim

Once you have received the expert’s opinion, you can show that to your insurance provider. If they believe the mould resulted from an insured event, then it should be considered damage. That is, if your policy even covers mould at all. 


If you’d like to find out if your home insurance policy cover mould, you could call up your provider and seek clarification, or have a read through the product disclosure statement (PDS), keeping an eye out for any general exclusions to do with mould.

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Last updated 30 October 2024Important disclosures
Important information on terms, conditions and sub-limits.
  • Home Cover - Buildings & Contents

    Main events covered
    • fire
      Fire
    • theft
      Theft
    • storm
      Storm
    • flood
      Flood
    Monthly payments
    cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    Optional ExtraUp To 30% Of Buildings Sum Insured, Applied Automatically For Eligible Policies
    New for old
    replacement
    Replacement icon
    Yes
    Details
  • Home & Contents Insurance

    Main events covered
    • fire
      Fire
    • theft
      Theft
    • storm
      Storm
    • flood
      Flood
      Optional Extra
    Monthly payments
    cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    Optional ExtraUp To 25% Of Building Sum Insured
    New for old
    replacement
    Replacement icon
    Yes
    Details
  • Home & Contents Insurance

    Main events covered
    • fire
      Fire
    • theft
      Theft
    • storm
      Storm
    • flood
      Flood
    Monthly payments
    cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    No
    New for old
    replacement
    Replacement icon
    Yes
  • Home & Contents Insurance

    Main events covered
    • fire
      Fire
    • theft
      Theft
    • storm
      Storm
    • flood
      Flood
    Monthly payments
    cost extra
    Calendar icon
    No
    Underinsurance protection
    Underinsurance protection icon
    No
    New for old
    replacement
    Replacement icon
    Yes
    Details
  • Home & Contents Insurance

    Main events covered
    • fire
      Fire
    • theft
      Theft
    • storm
      Storm
    • flood
      Flood
    Monthly payments
    cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    Optional ExtraUp To 30% Of Building Sum Insured
    New for old
    replacement
    Replacement icon
    Yes
    Details
Jack Dona
Jack Dona
RG146
Money writer

Jack is RG146 Generic Knowledge certified, with a Bachelor of Communications in Creative Writing from UTS, and uses his creative flair to cut through the financial jargon and make home loans, insurance and banking interesting. His reader-first approach to creating content and his passion for financial literacy means he always looks for innovative ways to explain personal finance. Jack's research and explanations have been featured in government publications, and his work is regularly featured alongside major publications in Google's Top Stories for Insurance.


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