There are protections in both cases. But they are different.

For instance, in the USA, there is no requirement that you have a mechanism to provide information stored at home to law enforcement, even under warrant/court order. If you have one, they can compel you to use it, but if you don't they have no remediation.

But a cloud provider is legally required to have that mechanism, and when order if they don't exercise it, they are punished. See: https://en.wikipedia.org/wiki/Stored_Communications_Act and https://en.wikipedia.org/wiki/CLOUD_Act.