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Home /  Home Maintenance / Does Home Warranty Cover Mold?
last_updated_date Last updated: January 19, 2023

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Does Home Warranty Cover Mold?

PUBLISHED: June 29, 2020 4 MINS READ

Home warranties protect your essential systems and appliances if they get damaged due to normal wear and tear. Devices such as your refrigerator, dishwasher, ceiling fan, doorbell, garbage disposal, washers, dryers, etc are covered under home warranty plans. However, home warranty packages have limitations and may not cover everything. We will focus on one such aspect today; does a home warranty cover mold?

This informative post will clarify all your doubts concerning whether or not home warranties cover mold. 


But First, You Should Know a Little More About Molds

What are Molds?

Mold is a particular type of fungus that flourishes in moist areas and multiplies through spores that are lightweight. These organisms may vary in color from black, white, green, orange, and purple. 

Usually, mold spores travel through the air and are light and tiny. Everyone is exposed to molds quite often both indoors and outdoors.  

Are Molds Dangerous?

Molds are invariably present in the atmosphere and are prevalent components of dust found at home. They can grow on most of your important systems and appliances. Most of the molds are not dangerous to humans, but people’s resistance to mold may vary depending on their health, age, immunity, etc. 

If molds are present in large numbers, they may pose severe health risks if human exposure is prolonged. Prolonged reactions to mold can be allergic or cause poisoning due to mycotoxins and cause fungal infections.

Now that you are aware of molds and their dangers, you must be wondering whether home warranties cover molds?

Do Home Warranties Cover Mold?    

Home warranty companies do not cover molds because they do not occur due to normal wear and tear. Molds are classified by companies as maintenance issues, and under warranty company regulations, coverage is not offered.  

Molds are usually caused due to reduced ventilation, or leaks that are undetected in your walls. They can also grow due to poor craftsmanship, defective materials at the time of building your property, or poor design.

But there is some good news, some home warranty companies do cover plumbing problems and roof leaks, which are the reasons why molds are also caused. One of the top companies that cover roof leaks and plumbing issues is Choice Home Warranty.

Protecting your roof and plumbing systems is crucial as they are vital components for the smooth functioning of your home.  

Is It Safe to Get Rid of Molds by Yourself?

Now that you know home warranty companies do not offer coverage for molds, you must be thinking whether you can get rid of fungi all by yourself. To get rid of molds from your important systems and appliances you can use baking soda (sodium bicarbonate) or borax, both these adhesives contain a high PHP value. This reduces the chances of the mold to survive and grow further.

It is safe to get rid of molds by yourself, though you must take proper care. If you are getting rid of molds on your own, you must wear gloves and a mask while doing so. Not taking proper precautions while removing molds can cause several allergies and skin infections. 

If at all you don’t feel comfortable getting rid of the bacteria by yourself, you must hire a company or trained professional at a specific cost to help you get rid of them. 

What You Should Know About Home Warranty Coverage

All homeowners opting to protect their essential devices should read the company’s contract thoroughly before signing up. Critical details such as systems and appliances covered, premium, deductible, and lots more are mentioned in this agreement.

Customers signing up for a home warranty package should know that only the devices mentioned in the policy will be covered. 

Further reading: What is covered and not covered under home warranties


It is important to note that warranty companies do not cover everything present in your home. To help you get the best out of a home warranty company, choose a tailor-made plan to suit your needs and budget. You can also read reviews online to help you understand the intricate details that you may not know about home companies’ services. 

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