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It can be safe to live in a house with asbestos as long as the asbestos-containing materials are intact, in good condition, and not disturbed. Asbestos becomes dangerous only when its fibers are released into the air, which happens if the material is damaged, crumbling, or disturbed during renovation work. If you suspect asbestos is present, do not disturb it. Instead of removal, materials in good condition can sometimes be encapsulated. It is recommended to have regular professional inspections to monitor the condition of the asbestos and prevent health risks from potential exposure.

Professional asbestos testers or environmental consultants are the best people to call to test for asbestos. An asbestos testing company specializes in collecting and analyzing samples and will be the most qualified to do the job for you. An environmental consultant may not specialize in handling asbestos, but should still have the knowledge and know-how to safely collect a sample and send it off for analysis.

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.

Many homeowners may never have to test their homes for asbestos. Asbestos particles are only dangerous if they become airborne. If you plan to do construction or notice damage to piping, siding, or drywall, you should hire a specialist to test for asbestos. 

If you plan to remodel your home or have any concerns, you should have your home tested for asbestos just to be safe.