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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.

It is safe to remove old linoleum, but it may require the help of a specialist due to the risk of asbestos in the material. Before you cut into linoleum or try to peel it up, have it tested for asbestos. If it tests positive, professionals will need to remove it to prevent the risk of health issues from airborne toxic particles. If it’s asbestos-free, DIY removal is possible and safe.

The best way to remove lead paint is by wet hand sanding and removing all dust and residue with a HEPA vacuum. Professionals may also strip and scrape lead-based paint with a paint scraper. In some cases, you may choose to have a pro encapsulate or enclose your lead-based paint surface by covering it with a sealant or a new material. You may also choose to replace the material altogether.

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.