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You may see specialty products for sale to remove lead dust, such as D-Lead surface wipes. But you do not need to buy a special cleaner just for lead dust. A regular all-purpose cleaner, like 409 or something similar, is sufficient for cleanup. Just make sure to follow the manufacturer's directions when using it and to dilute with water.

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.

Disposing of old paint, bleach, oil, and fertilizer should be handled by a company that specializes in this kind of waste. Many private junk removal companies do not dispose of these items. Because these materials are hazardous to the environment and dangerous to handle or dispose of improperly, you should confirm with your local municipality about places to take hazardous materials for safe disposal. 

If the lead paint is in a place that is not easily disturbed and is not flaking or deteriorating, you do not necessarily need to remove it. Lead is toxic when dust particles or flakes from peeling lead paint are ingested. If people are not in the area with the lead paint, it may be safe to leave it in place. You still may want to consider encapsulation with a paint formulated for covering lead-based paint, just for an added layer of protection.