Not so sure about that. My landlord has a clause about storage of certain classes of chemicals for insurance purposes. That pretty much excludes things like fluxes, etchants and solvents which is a big bulk of chemical required for EE work.
The intent is to prevent using the space for storing drums of such chemicals, in the small quantities used for hobby work, one could easily argue that it poses less risk than, for example, a can of cooking oil spray.
Of course there’s the “no commercial uses” clause as well.
The intent is to prevent disturbances to neighbors due to noise or smells, or introducing more traffic than the area is designed for by bringing in customers. If the setup is for use by only one person, one could always argue that it's for working from home.
The intent is to provide justifications for not paying out if a claim is made. No more, no less. If a claim is made, the insurance company
will try to find a way of not paying out.
Example: I was rear-ended in a queue of cars. I pulled forward and stopped, the person behind pulled forward and didn't stop soon enough. The
first thing the claims assessor did was to check the depth of tread on my tyres. If insufficient, the car would not have been legal and therefore he wouldn't have needed to look at the damage done to my car, let alone assess it.