As an infosec practitioner, I can’t tell you how many times I’ve seen someone have insurance and their security posture be effectively nothing, or the insurance not pay out even with reasonable measures in place. Market failure in my opinion, needs more regulation.

Agreed.

I’ve done a lot of infrastructure work, so my home network is...robust. Quite unusual; even for many corporations.

Two DMZs, three routers, three WiFi networks, two NAS units, etc. Also lots of redundant backups.