Standard Homeowners Insurance and
Radon
FINANCIAL PLANNING AND ANALYSIS
Does
Homeowners Insurance Cover Radon Mitigation
?
Does your home insurance cover radon mitigation? Discover how policies typically handle environmental concerns and what you need to know about coverage.
AccountingInsights Team Published
Sep 2, 2025 Radon, an invisible and odorless radioactive gas, is a naturally occurring byproduct of uranium breakdown in soil, rock, and water. It can seep into homes through cracks in foundations, walls, and floors, posing a serious health risk as the second leading cause of lung cancer in the United States. Homeowners frequently inquire whether their insurance policies cover the costs associated with testing for and mitigating elevated radon levels. Standard homeowners insurance policies typically do not cover radon mitigation.
Standard Homeowners Insurance and
Radon
Homeowners insurance policies, such as the widely used HO-3 damage to your property form, are primarily designed to cover sudden and accidental direct physical caused by specific perils. These perils often include events like fire, lightning, windstorms, theft, and vandalism. The coverage is intended to address unforeseen events that cause direct physical loss or damage. Radon, however, is generally not considered a sudden, accidental event or a covered peril. Its presence is typically viewed as an environmental contaminant that accumulates gradually over time
. Thereforee, the costss associated with radon testing or the installation of a mitigation system usually fall outside the scope of standard policy coverage. Insurance companies often classify radon as a“ preventable issue,” similar to mold or termites, expecting homeowners to manage it as part of routine property maintenance.
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