Does Homeowners Insurance Cover Radon Mitigation?
When you find out your home has elevated radon levels, it’s normal to start thinking about the cost for mitigation and what your next steps might be. The first question homeowners often ask is whether their insurance will cover the cost of radon mitigation. Unfortunately, the answer is no. Standard homeowners policies typically do not cover radon mitigation.
Let’s unpack why that is and what you can do to ensure your home is safe from high radon levels moving forward.
Is Radon Mitigation Covered By Insurance? Typically, No. Here's Why
Most homeowners insurance policies are designed to protect against sudden and accidental losses, like fires, storms, or burst pipes. Radon, however, is considered a naturally occurring hazard that builds up gradually over time. Because it isn’t the result of an accident or single event, insurers classify radon mitigation as a home maintenance expense, similar to repairing a cracked foundation or replacing an aging roof.
Even though radon exposure poses significant health risks—including an increased risk of lung cancer—it doesn’t fit the definition of an “insurable event.” From the insurer’s perspective, radon mitigation falls under the homeowner’s responsibility to maintain a safe and healthy environment within the property.
That said, it’s always worth reviewing your specific policy or speaking directly with your insurance provider to confirm. Some specialized or high-end insurance products may offer limited environmental or pollution-related coverage; however, this is the exception, not the rule.
Why Radon Mitigation Still Matters
While the fact that radon mitigation isn't usually covered by insurance may be disappointing, ignoring the problem can have serious consequences. Radon is an invisible, odorless gas that seeps into homes through cracks, drains, and foundation openings. The U.S. Environmental Protection Agency (EPA) estimates that radon exposure causes more than 21,000 lung cancer deaths each year, making it the second leading cause of lung cancer behind smoking.
Unlike other home issues that might be inconvenient or cosmetic, radon is a silent health hazard. Installing a mitigation system can help safeguard your family’s health for years to come.
How The Radon Guys Make Mitigation More Accessible
Even though homeowners insurance doesn’t typically cover radon mitigation, The Radon Guys believe clean air should never be out of reach. That’s why we focus on making radon solutions as simple and affordable as possible.
Free, Honest Estimates
Our free estimates take the guesswork out of getting started. You’ll know exactly what your home needs and what to expect, with no hidden fees or surprise costs.
Local Knowledge, Tailored Solutions
As a locally owned and operated Tennessee company, we understand the region’s unique soil conditions, foundation types, and radon patterns. That means you get a system built for your specific home and environment, not a one-size-fits-all setup.
Long-Term Protection and Peace of Mind
Every system we install is backed by a 10-year transferable warranty (and 10 years for radon fans), so you can feel confident your investment will last even if you decide to sell your home. We also offer annual service plans to help maintain long-term efficiency.
Trusted, Certified Professionals
With over 15 years of experience in radon mitigation, plus decades in construction and real estate, our NRPP-certified team knows homes inside and out. Every technician is licensed, insured, and committed to treating your space with the same care they’d give their own.
Clean, safe indoor air doesn’t have to be complicated or expensive. With The Radon Guys, you get professional service, transparent pricing, and lasting results—all delivered by friendly local experts who genuinely care about your home and health.
Breathe Easier with The Radon Guys
Homeowners insurance may not cover radon mitigation, but that doesn’t mean you’re out of options. With The Radon Guys, you’ll have an experienced, licensed, and insured team on your side, ready to deliver lasting solutions that make your home healthier and your air cleaner.
If you’ve recently tested your home or just want peace of mind, get your free estimate today and let our local experts take care of the rest. Because when it comes to your family’s health, clean air isn’t a luxury. It’s a necessity.
