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No, you do not have to worry about new popcorn ceilings having asbestos. All residential building materials used since the mid-1980s stopped including asbestos, so new popcorn ceilings have no risk of asbestos. You can still create a textured drywall ceiling with a popcorn texture if you like, but new techniques have no risk of adding asbestos. 

Asbestos siding can be dangerous, but it doesn't necessarily pose a health risk if it's in good condition and left undisturbed. The danger comes from inhaling asbestos fibers, which can be released if the siding is damaged, deteriorating, crumbling, or disturbed during remodeling or repairs. Exposure to these airborne fibers can cause serious, life-threatening diseases like asbestosis (lung scarring), mesothelioma (an aggressive cancer), and other lung cancers.

If your asbestos siding is intact, the general recommendation is to leave it alone. However, if it's damaged or you plan to renovate, it's crucial to handle it safely. Due to the significant health risks and the difficulty of containing the fibers, it is not recommended to perform any asbestos work yourself. Instead, you should hire a professional asbestos removal company to inspect, repair, encapsulate, or remove the material. The presence of asbestos can also negatively impact your property's value.

Unfortunately, home inspections do not check for asbestos because of the liability factor involved. That’s why you should hire a trained professional with specialized equipment to test for it. 

They will inspect all areas of the home and take samples of various materials to test. Opting for an asbestos inspection can prevent the risk of exposure to this hazardous material and save on costly repairs that may be required. 

Since DIY asbestos removal isn’t the best option to save money, there are other steps that you can take to help cut costs when dealing with this project. After speaking with your asbestos removal expert, discuss if encapsulation is an option. If it is, you can save between 15% to 25% on overall project costs over demolition and disposal. In addition, when speaking with your professional, discuss if there are any tax credits available for your removal project. Finally, check with your homeowner’s insurance to see if any removal costs might be covered. However, be aware that this is usually only applicable if the asbestos is due to a covered incident, like a tree falling into your roof.