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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.

With regular testing, treatment, and maintenance, water from a community well should be safe to drink. Unfortunately, the EPA does not regulate private wells, and contamination can happen. 

If you have doubts about the quality and safety of your drinking water, you have options for testing. You can pick up kits from your local home supply store or harvest samples and send them to a local testing facility. To get the most complete water quality testing and system diagnosis, seek a local well professional. They know what to test for and can recommend and implement a longer-lasting solution.

According to the EPA, there is no safe level of lead in the blood, and so the maximum contaminant level goal (MCLG) for lead in water is zero. Even at low levels, lead is harmful to human health. It can also remain in the body and build up over time with repeated exposure.

When a surface that contains lead dust is disturbed, the dust can float about in the air for roughly an hour before settling again. Since you cannot see the dust, it is important always to wear protective gear when working with any materials that may contain lead paint and to keep children, pets, and others away from the area for as long as possible