After reading the post about the trampoline , I was kind of wondering if having groups of items labels you as a person as a high risk person as opposed to your individual items. For example, if over the years you have owned let's say a motorcycle, a jeep, a trampoline helicopter whatever but do not own them at the same time does that affect your insurance rates . I find actuaries fascinating as I do not have a "mathematical " sense whatsoever. How do they figure this out if you have these items yet have never suffered an injury nor had an accident while owning these items. Are you then labeled as a lower risk group if you safely used theses itemS than if you were a person who clumsily used traditionally safe items?