Do I need disability insurance?

[BlueHouse]

I'm self-employed, about 7.5 years away from FI (could be fewer if I gave up some of my ridiculous spending habits)

I do not currently have disability insurance. 

If I were to become disabled (long-term), I would sell my house in a highly-sought-after HCOL area and that would make me immediately FI.  I don't anticipate any problems selling this house, unless the seat of our government changes from WDC to Trump Tower, USA. 

Do I need to purchase disability insurance, or am I effectively self-insured? 

[Choices]

1. Do you have any dependents? This would change the equation significantly.

2. If you moved to a LCOL area but needed in-home care for a serious disability, would you still be FI? Disability is more than just not being able to work. Sometimes it's blindness, paralysis, or other issues that can increase your expenses significantly.