Final answer:
The correct sentence is: If I didn't have to go to work, I would stay at home.
Step-by-step explanation:
The correct sentence in terms of punctuation is:
If I didn't have to go to work, I would stay at home.
This sentence correctly uses a comma to separate the dependent clause "If I didn't have to go to work" from the independent clause "I would stay at home". The comma is used to indicate a pause in the sentence and helps to clarify the meaning.
Learn more about Punctuation in English sentences