Thanks for your response . <| sep |> His tax rate is 0 % for much of the middle class . Everyones taxes around going down . <| sep |> Alcohol problems if I recall correctly <| sep |> All that plus I dont really care . That could be the emotional wall ? <| sep |> SLAY KNEW WE DONT CELEBRATE THANKSGIVING HERE IN THE UK SO HE GAVE US A GOAT PLAY TO CELEBRATE INSTEAD WOOOOOOOOOOHOOIOOOIO <| sep |> Yes you ' re right that your home insurance policy is partially governed by the contents of your home . If you read what I wrote though , I ' m saying that the cost of insuring against you not plowing your sidewalk and someone slipping and breaking their neck is not governed by the value of your homecontents . That is what your basic insurance is insuring , the fact that you as the driver might actually hit someone . What you drive has no bearing on how dangerous you are as a driver in theory . Someone who is in frequent atfault accidents should pay more for car insurance right ? That someone whether they drive a Ferrari or a Kia has the same propensity to get into an accident because they are a careless driver . Someone who has never been in an accident has a lower likelihood of getting into accidents whether they drive a Ferrari or Kia . So why should that someone who drives the Ferrari and doesn ' t cause accidents pay more for basic insurance than someone who drives a Kia and gets into many accidents ? Shouldn ' t it be the person who causes more accidents that should be paying their fair share ?