Your ISP will cut your account when you saturate the upstream pipe 24/7 for weeks on end... which will only happen if you host video.
And your home insurance will not know/care if you're operating a desktop-sized computer or even a single server (it is perfectly fine and expected a developer might bring an actual server home for troubleshooting). Home insurance only cares if you're running dozens of them.
Your ISP will cut your account when you saturate the upstream pipe 24/7 for weeks on end... which will only happen if you host video.
And your home insurance will not know/care if you're operating a desktop-sized computer or even a single server (it is perfectly fine and expected a developer might bring an actual server home for troubleshooting). Home insurance only cares if you're running dozens of them.