Regular 'home insurance' should at least cover part of the damages. If any equipment you have at home is destroyed or stolen, your plan should cover at least up to a few k$ most likely at a cost of say 20-30$ a month I'm guessing.

I know that's not perfect, but yeah.

Product Liability Insurance, I'm not sure how that applies to this since you're not selling physical products. Then again, I'm not too well-versed in insurnace.