What makes you think you need home owners insurance? You don't! ...unless, that is, you do not own your home and it's the bank that is requiring you hold insurance.
Another example - I have tenants. They do not pay home insurance. They purchase a housing service from me. The bank is a lien holder on that property, so, they require I keep it insured. I could probably drop the insurance if I owned the property outright.
OTOH, being a landlord does incur additional liability, so, I should probably keep my umbrella policy.
With self-driving cars, I do not plan to own one. I will rent the transportation service as needed and let someone else pay to insure it.
Think Uber without the drivers.
A house only makes good financial sense if the value appreciates at a rate = or GT inflation. Cars depreciate quickly. It is very expensive to own one.
You are going to see MUCH better value paying for transportation service on an ad-hoc basis because those rented vehicles will be well utilized rather than spending most of the time in your parking lot or garage depreciating.