“My lame reply to your lame point - sure, I can go months filling up at home. I have gas cans.”
Does your insurance company know you are storing hundreds of gallons of gasoline in your home?
My insurance company doesn't need to know jackshite what's in my home. Rest assure, my home won't go up in flames due to fuel.
How about you - does your insurance company know the dangerous, though infrequent, hazards of lithium batteries, in bulk no less, being charged in your garage?
Last word is yours - I can only last a few rounds of pedantic debate.