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No, an N95 mask will not protect against asbestos and many other hazardous materials, such as carbon monoxide, gas, chemical vapors, and other gases. You will need a respirator specifically designed to protect against asbestos. However, if you suspect asbestos is present in your home, hire an asbestos abatement professional immediately and avoid the area until they arrive for the inspection.

Vermiculite insulation that comes from a particular mine before 1990 is likely to contain asbestos. This is particularly true in the U.S. However, not all types of vermiculite insulation contain asbestos. Since you can't detect the presence of asbestos without special equipment, it's best to assume that the insulation contains the dangerous mineral and to either leave it alone or hire a professional to handle it.

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. 

If you know your popcorn ceiling has asbestos, you should not attempt to clean it. It simply is not possible to learn how to clean asbestos safely without potentially releasing microscopic fibers into the air that could lead to severe illness in the future. Avoid disturbing or cleaning the ceiling until the asbestos removal company can get rid of the popcorn ceiling.