It doesn't cover risk. If one or more gpus dies, who pays for it? If you rent, you are guaranteed to be insulated from this risk. But owning, you might not have the best return policy from the vendor. And if you are actually at fault for breaking it, they have every right to deny a return. Or if your apartment is burglarized or catches fire (possibly from overloading the circuit) you are out the entire investment.
In the article, he wrote "I tried to insure it under my renter’s insurance policy. They didn’t like that. I had to get business insurance to cover it.“， but he didn't say how much it cost, either.
Also a lightning strike or surge from the electric utility could fry the whole rig. Proper protection costs thousands, and even then it's not guaranteed to protect everything
> Proper protection costs thousands
Frankly that's something a landlord should provide. And there's insurance against losses from electrical issues.
Why should a domestic landlord provide you with data center-level power protection instead of just the normal household utility connection?
I'm talking about standard surge protectors. Properly installed they are enough except for direct lightning strikes, these will fry everything. But unfortunately, even in code-obsessed Germany landlords are not required to retrofit SPDs.
To protect a large electrical device investment, you would want an EMP shield whole-home SPD, in addition to an SPD right at the electrical device. The first one shields exterior surges (including non-terrestrial), but the second shields against internal surges. And yeah lightning will blast through both of them. So the best bet is probably a lightning strike detector combined with renters insurance.
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