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Avoid disturbing suspected lead-containing materials and follow professional guidance on sample collection.

No. Standard homeowners insurance does not cover any kind of lead remediation, focusing instead on sudden, unpreventable events like fires and theft. Many insurance companies will specifically exclude lead paint removal, since it tends to be an expensive and unavoidable project. The exception is if the lead surface is damaged during a covered event (like a flood) and homeowners insurance pays its replacement.

You can expect to pay between $200 and $400 for a lead inspection, where your local lead testing pro will scan surfaces and items with an X-ray fluorescent analyzer. Lead risk assessments are slightly different and run around $800 to $2,000. A pro may find lead during an evaluation, and create a removal strategy.

If the lead paint is in a place that is not easily disturbed and is not flaking or deteriorating, you do not necessarily need to remove it. Lead is toxic when dust particles or flakes from peeling lead paint are ingested. If people are not in the area with the lead paint, it may be safe to leave it in place. You still may want to consider encapsulation with a paint formulated for covering lead-based paint, just for an added layer of protection.