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No. Standard homeowners insurance does not cover any kind of lead remediation, focusing instead on sudden, unpreventable events like fires and theft. Many insurance companies will specifically exclude lead paint removal, since it tends to be an expensive and unavoidable project. The exception is if the lead surface is damaged during a covered event (like a flood) and homeowners insurance pays its replacement.

Lead toxicity comes from inhaling lead or consuming it. Before the 1980s, when the government banned lead from consumer use, it could be found in paint, plumbing, pipes, ceramics, and even gasoline. Lead paint is toxic for the same reason lead itself is toxic, which is why lead poisoning from paint presents the same as lead poisoning from water or food sources, with a slight increase in respiratory symptoms vs. digestive symptoms. Lead paint is most dangerous when it’s old and peeling, cracking, or otherwise disturbed. This increases the concentration in the air and, therefore, in breathable air. 

Unfortunately, lead dust does not look different from any other type of dust. You cannot detect it with the naked eye. To determine if you have lead dust in your home, you will need to hire a local company to take a sample from the paint and test it for you in a lab.

While not all homes built before 1978 contain lead paint, enough do, so you’ll still want to test to be on the safe side. The federal government banned lead-based paint for homes in 1978, but your state may have banned lead before that time. Around 24% of homes built between 1960 and 1977 contained lead-based paint, while 87% of homes built before 1940 contained lead-based paint.