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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.

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.

While it's possible to cover asbestos tile with carpet, it's not recommended. Encapsulating tile beneath carpet doesn't eliminate the health risks. Over time, the asbestos tiles could degrade, releasing fibers into the air and potentially contaminating the carpet. Disturbance during carpet installation or removal might also release fibers.

There are products that still contain asbestos, but they were typically installed decades ago. Common places where you may still find asbestos-containing materials are in siding, wrapped around ductwork, in older appliances (i.e., stove and gravity furnaces), and in floors. Asbestos was primarily used as an insulator, so anywhere in an older home where you lose heat is where you will most likely find asbestos.