Last I’ve read was that the insurance only covers up to 1.5 billion € in damages. That would only cover small incidents

The saved time alone pays for a better office at home than at work in my case

I am using mTLS implemented by nginx to access my services like Home Assistant, Paperless, Tandoor, Immich and so on. Clients are Windows, Linux and Android based so no iOS experience. Adding new clients can be tricky if you need to figure out how to provide the certificate first. Once it works, it’s rock solid