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Does Progressive home insurance cover mold?
I haven’t discovered any yet, but my basement is naturally pretty damp, so I’m often worried about mold. Will Progressive home insurance cover mold?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Great question! Your Progressive homeowners insurance may cover mold cleanup if the cause was due to a
covered peril
in your policy.For example, if your policy covers an event like a pipe bursting in your home and the water damage causes mold growth, then remediating your mold problem should be covered.
If the cause of mold growth was
flooding
, or the water source came from outside your home, a standard homeowners insurance policy will typically exclude it. If you had a mold growth problem in your basement because its general moisture level has allowed it to grow over time, your insurance company likely wouldn’t cover cleanup costs. It’s a good idea to consider using a dehumidifier to help manage the problem and continue to keep an eye on it.
That said, even if a covered peril causes mold damage, your insurance may require a mold endorsement to cover any mold damage or remediation.
To confirm mold is covered by your insurance policy, reach out to your insurer or read over your policy’s terms and conditions.
If you decide you’d like to change your insurance policy or review your options,
Jerry
can help. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best p
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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