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Prime Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Mold Property Damage

Does Your Insurance Cover it?

The Facts from PRIME Insurance Agency

Q: How does mold develop?

PRIME Insurance: Moisture buildup from a flood or a leak is the major cause of mold growth.

Q: How do I know if I have a mold problem?

PRIME Insurance: Allergy symptoms may be a good signal. If your allergies seem worse at home than outside or worse at your place of work, chances are that these places have a mold problem. Moldy odor is also indicative of trouble. And though you may not see big splotches, mold may appear as small dirt spots that are black, grayish-brown, grayish-green, or threads of white – all of which mean that there must be must be a monster of a mold presence lurking behind walls or flooring.   

Q:  Does my homeowners insurance policy cover mold damage?

PRIME Insurance: Mold is a complex insurance issue. Oftentimes, mold damage is completely excluded from a homeowner policy. Where coverage does exist, it is very limited. For these reasons, it is of utmost importance for you to discuss mold and its ramifications with a qualified, experienced insurance agent who can guide you.   

Q: What specific mold solutions can PRIME offer me?

PRIME Insurance: PRIME offers numerous solutions from the leading insurance companies that include separate riders for owner-occupied homeowners and renter- occupied home and apartment owners.  Due to our exclusive relationship with so many insurance providers, we can assess your mold contamination risks, scout the insurance field within minutes and come up with precise coverage that meets your specific needs at a competitive low quote.


Q: You have an exclusive relationship with the leading insurance companies in NJ and other states?

PRIME Insurance: That’s right. As winner of numerous awards of the industry that has been given business rights to deal with 43 of the foremost insurance companies, we are privy to many plans and discounts that are not available to others. In regard to mold, damp or humid climate is a major factor to any mold developing damage. Thus our comprehensive insurance knowledge and insurance accessibility to coverage can make all the difference for the property owner in NJ, NY, Texas, Florida, California and on.

Q: Although I am an intelligent person, I find the terminology on insurance policies to be confusing. Do the specialists at PRIME Insurance take the time to explain wording and actual coverage to clients?

PRIME Insurance: That just about is the definition of PRIME Insurance! Through years of experience in the broad insurance field, we’ve come to realize that today’s consumer is not satisfied with a ‘blind purchase’. Today’s insurance customer wants to know what’s and why’s of coverage and we aim to satisfy that desire. We’re so impassioned by this calling that not only do we take the time to explain insurance, we also have included a blog spot on our website,, featuring fascinating articles related to insurance knowledge designed for the layman.

Q: What is your contact information?

PRIME Insurance:  You can find us online here , email us at prime [at] primeins [dot] com or call us at 732-886-5751. It will be our distinct pleasure to assist you with any questions or coverage you need.

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website  or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


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