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No, but it’s common that they do. Gravity furnaces weren’t terribly efficient so wrapping either the ductwork in asbestos, the furnace itself, or both, was something done regularly. This allowed the system to retain more heat. At the time, this greatly enhanced the efficiency of the furnaces but it wasn’t until later that we became aware of just how carcinogenic and dangerous asbestos could be.

It can be safe to live in a house with asbestos as long as the asbestos-containing materials are in good condition and not disturbed. Asbestos is only dangerous when it becomes airborne, which happens if the material is damaged, crumbling, or disturbed during renovation work. If you suspect asbestos is present, it's important not to disturb it and to have it professionally inspected.

By using PPE, sealing work areas, and following containment procedures.

In most cases, homeowners insurance doesn't cover asbestos abatement. Insurance policies frequently exclude coverage for pollutants, contaminants, and hazardous materials, which include asbestos. It's considered a pre-existing condition in homes built before its ban, so removal is seen as a maintenance expense rather than an insurable loss. There may be an exception if the asbestos-containing materials are disturbed due to a covered event, such as fire or storm damage. Some policies may cover the abatement as a part of those repairs.