> Homeowners insurance rarely actually covers everything lost in a fire,

Why wouldn't it? Unless you don't have enough coverage, it should cover all losses fully. Literally the point of insurance. You may not properly claim everything lost, but that's on you. Insurance claims 101: giving a very clear itemized list of everything lost in an insurance claim.

> and takes years to pay out in many cases.

Years? Why would it take years? Maybe 6-12 months, but you can get claims rolling relatively quickly. Most of the time is probably going to be your time spent itemizing all the stuff lost.

When the risk of a printer catching on fire and burning down your house is very, very low, why wouldn't you rely on insurance? You have the draw the line somewhere.