"This (pollution) exclusion does not apply to bodily injury or property damage:
... (3) caused by common household chemicals used to maintain the residence premises."
Additionally, and perhaps even more importantly, this exclusion is in the "Personal Liability" section of the policy. The coverage/exclusions for the "Dwelling" are on pages 8-12.
In any case, thanks for the responses. My gut reaction is to agree with you that a lot of these "homeowners insurance will deny your claim if you do X!" warnings are based on third-hand knowledge or misinformation. I don't have any special knowledge though. (Do you?)
Edit: oops, you're right of course that I was reading the wrong part of the State Farm document! I swear I am not reading the Erie one so carelessly though.