In this article, you'll learn:
First watch our Home Safety Specialist, Nicole, share what to look for so you can stop common issues like mould.
Check this fan out! It’s full of dust
Poor ventilation is going to land you in hot steam because it leads to things like
mould, silicone damage, and bubbling paint.
You want to get your fan sorted and crack a window.
Allianz Prevention helps you catch common issues before they become problems.
Search Allianz Prevention to check out tips to care for your home.
Disclaimer: Booking fee applies for Home Health Check service (‘HHC’). Available to existing Allianz direct Home & Landlord Insurance customers living in eligible Sydney, Melbourne and Brisbane postcodes. T&Cs apply. For full details of HHC service visit Allianz Prevention. HHC service delivered by AWP Australia Pty Ltd for Allianz Australia Insurance Limited. Tradespeople can be organised at homeowner’s request. Additional costs payable by homeowner.
Mould thrives in damp, humid places with poor ventilation. It’s common in bathrooms, which often stay steamy and lack good airflow. Mould in grouting may suggest a leak or faulty plumbing, according to the Australian Government 2023 Biotoxins report (PDF, 2.9 MB). It can also appear where there simply isn’t enough fresh air.
Kitchens and even living rooms can also create the right conditions for mould. For example, unflued gas heaters produce water vapour, which helps mould grow.
Elsewhere in the home, mould on the ceiling may be a sign of a roof leak or blocked gutters. Mould on the walls can point to rising damp, where moisture moves up through the brickwork from the ground.
Not all mould is easy to see. It can grow under carpets and behind furniture. If you notice a musty smell in one area, that may be a sign of hidden mould.
Climate plays a big role in mould growth. Wetter, more humid areas are at higher risk. La Niña can also lead to more mould because it brings increased rainfall and moisture.
A survey by Airtasker during the 2025 La Niña phase found Australia’s ‘most mouldy region’ was Sydney’s Eastern Suburbs. Next on the list were Cairns and Inner Sydney City.
There are many cleaning products that can tackle mould. Always follow the instructions and safety advice, such as wearing protective gloves.
If you prefer a chemical-free option, try undiluted vinegar or baking soda mixed with water. Spray it onto the affected area, scrub, rinse, and let the area dry completely.
Whatever you use, test it on a small area first. You may need more than one treatment to remove the mould completely.
Soft furnishings, like carpets and curtains, can be harder to clean. You may need a professional cleaner. If that doesn’t work, replacing the item might be the safest option.
Most home and contents insurance policies don’t cover mould or mildew damage. It’s usually seen as wear and tear or a maintenance issue unless it’s a direct result from an insured event.
Allianz Home Insurance generally covers loss or damage from insured events, such as a storm1 or a burst pipe. If left unchecked, both situations may lead to mould over time. Where damage is caused by an insured event, it may be covered by your Allianz Home Insurance.
To understand what your policy includes and excludes, see your Product Disclosure Statement (PDS).
Even if you remove mould, it can return unless you reduce the moisture that caused it. Improving ventilation often helps. This can be as simple as opening a window or installing an exhaust fan.
If it’s difficult to improve ventilation, consider a portable dehumidifier. Some models also remove dust from the air, which may help people with allergies. Chemical moisture absorbers can also work well in small spaces such as cupboards.
It’s important to fix any leaks or blocked gutters that may be adding moisture to your home. If you think rising damp is an issue, you can install wall vents to improve sub-floor airflow. To make sure you’re tackling the problem properly, it’s best to get professional advice.
For useful links and handy resources on caring for your home, check out Allianz Prevention.
This article has been prepared by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL234708 ("Allianz"). It is a summary of key concepts and not meant to represent the complete picture on any given matter. It is not meant to be legal advice. The information should be read in conjunction with the relevant legislation and regulations. In some cases, information has been provided to us by third parties and while that information is believed to be accurate and reliable, its accuracy is not guaranteed in any way.
Any opinions expressed constitute our views at the time of issue and are subject to change. Neither Allianz, nor its employees or directors give any warranty of accuracy or accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in this article.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
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