In many (most? all?) jurisdictions in the US there's a carveout to exempt DIY work from licensing requirements and to require insurance to cover it. Many thing

In many (most? all?) jurisdictions in the US there's a carveout to exempt DIY work from licensing requirements and to require insurance to cover it. Many things you still have to get a permit and have it inspected afterwards just like a professional would. But if you skip that no one will ever notice unless it's major structural work (such as a new deck). That said, if it's electrical and you skip the required inspection and then your house burns down and your work was at fault that might nullify your insurance but I'm not sure.