Specifically how Do I Learn if My House owners Coverage Will Protect Mold?

Read your policy and all endorsements. Some companies have actually taken steps to avoid or limit their direct exposure to mold claims by:
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Excluding all coverage for mold-related damage (except mold that results from a covered fire/lightning loss as mentioned above).
Leaving out all coverage for mold-related claims, but offering buy-back recommendations, which supply some mold protection if you pay additional money.
Offering a minimal quantity of coverage for mold-related claims, either by limiting the amount of money offered to pay mold-related claims (e.g. $5000); or by spending for some mold-related costs, such as clean-up, and excluding others, such as removal and testing.
Offering coverage for mold-related claims in the policy and increasing the cost of the policy to spend for anticipated costs.
Placing tighter restrictions on exactly what type of homes they will guarantee, such as refusing to insure homes that have suffered previous water damage, or homes that are developed of specific building products such as synthetic stucco.
Call your insurance agent or business for additional explanations if you're uncertain whether you have mold coverage or the quantity of protection you have.
No matter whether your insurance pays for any mold claims, you need to take actions now to prevent mold development in your house due to maintenance problems, and act quickly when water losses happen.

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