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Whether or not to buy a home containing asbestos is ultimately a decision for the homebuyer, and there are several things to consider. When in good condition and contained, asbestos is unlikely to present a health risk—it’s when those tiny fibers are loose and airborne that they become a problem. Consider any renovations you plan on doing to the home that could disturb existing asbestos and the cost of removal. If an inspection finds asbestos in a home on the market, you could negotiate with the seller for a lower price, though this isn’t a sure thing.

Vermiculite insulation that comes from a particular mine before 1990 is likely to contain asbestos. This is particularly true in the U.S. However, not all types of vermiculite insulation contain asbestos. Since you can't detect the presence of asbestos without special equipment, it's best to assume that the insulation contains the dangerous mineral and to either leave it alone or hire a professional to handle it.

Asbestos siding can be dangerous, but it doesn't necessarily pose a health risk if it's in good condition and left undisturbed. The danger comes from inhaling asbestos fibers, which can be released if the siding is damaged, deteriorating, crumbling, or disturbed during remodeling or repairs. Exposure to these airborne fibers can cause serious, life-threatening diseases like asbestosis (lung scarring), mesothelioma (an aggressive cancer), and other lung cancers.

If your asbestos siding is intact, the general recommendation is to leave it alone. However, if it's damaged or you plan to renovate, it's crucial to handle it safely. Due to the significant health risks and the difficulty of containing the fibers, it is not recommended to perform any asbestos work yourself. Instead, you should hire a professional asbestos removal company to inspect, repair, encapsulate, or remove the material. The presence of asbestos can also negatively impact your property's value.

Many homeowners may never have to test their homes for asbestos. Asbestos particles are only dangerous if they become airborne. If you plan to do construction or notice damage to piping, siding, or drywall, you should hire a specialist to test for asbestos. 

If you plan to remodel your home or have any concerns, you should have your home tested for asbestos just to be safe.