Does home insurance cover removal of lead paint?

I'm house hunting and considering some older properties. I'm worried about dealing with lead paint with an older home, though. Will insurance pay to remove lead paint?

Answer
Lead-based paint was used prior to 1979, so if you buy a home built after this time, lead poisoning is probably not too much of a concern. If you are buying a home that was built before this time, then the older the home, the greater the risk of lead exposure.
Most insurance carriers have a lead poisoning exclusion, and they will not cover the cost to remove the paint or pay for any liability that may result from having lead paint in your home. If you are thinking of buying an older home, consult your agent and make sure to get a lead test before you purchase the property.
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Shannon Martin
Answered on Mar 02, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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