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Typically, homeowner’s insurance does not cover asbestos removal. Most policies exclude pollution, which includes everything from chemical spills to asbestos contamination. If asbestos removal isn’t in your budget, you might be able to encapsulate the asbestos. It depends on the condition of the contaminated materials. Speak to an asbestos abatement specialist to weigh your options.

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.

You shouldn’t see a difference in your home’s value from your local property assessor if you have asbestos. Does asbestos affect home value when you are selling the home, though? If you are planning to sell the home, most jurisdictions require you to legally disclose the presence of asbestos to any buyer. Most buyers would have reservations about purchasing a home with asbestos, so they may offer less for the home. If you hire a pro to completely remove the asbestos, you do not have to disclose to buyers that the home once had asbestos.

There are products that still contain asbestos, but they were typically installed decades ago. Common places where you may still find asbestos-containing materials are in siding, wrapped around ductwork, in older appliances (i.e., stove and gravity furnaces), and in floors. Asbestos was primarily used as an insulator, so anywhere in an older home where you lose heat is where you will most likely find asbestos.