There are simply rules to follow for each CAT rating you are exposed too. One simple safety item for home work, which is CAT 3 or lower, is also wear insulating rubber soled footwear, not leather and wear cotton clothes, don't do it naked or bare feet!
http://www.ien.com/article/selecting-right-amount/7594The reason is the spark, is usually high intensity but short duration, and clothing alone can provide protection against the flash. Shoe insulation protects the user from electrocution. CAT 4 level issues are best left for a certified professional.
Plastic eye glasses or eye protection is at least for CAT 3, also you should wear it whenever power tools are used.
There are other safety items you can do that aren't part of CAT ratings, but the one-hand rule never hurts. If you probe something you aren't sure, don't hold both probe leads, but connect one with a alligator, and probe with one hand, this way the full circuit is not with you but only on the test gear.
Now, given all this extra stuff to think about, the last thing you need to worry about is if you are using a 'iffy' cheapo meter, just how good it is. You don't want to do the one-hand rule and then grasp the meter with the free hand, not knowing the ground is somehow exposed in one way or another or poorly insulated.