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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.

Some causes of brown well water—like excess tannins or dissolved iron—don’t pose a health risk. In other cases, harmful bacteria might be the culprit. If your well water has suddenly turned brown, it’s a good idea to use a home water test kit to get a better sense of what’s going on with your water. Consider calling a professional for an expert opinion before drinking the water and hoping for the best.

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.

No, a standard home inspection includes the basics and does not offer lead paint testing. Professional lead paint inspectors need specific licenses to perform these inspections, which not all home inspectors have. If you suspect lead paint in the home you are about to purchase, you will need to pay separately to have that done. If the findings come back positive, you may be able to negotiate with the buyer to cover the cost of the removal.