A survey by Progressive Insurance, stated that 52% of accidents occur within 5 miles of home. The chances of you getting in an accident, going to and from your runway, is pretty damn high.
Lol, true, but that's ALL accidents (Progressive doesn't just do auto insurance), not just auto/aviation accidents.
If you owned your own boat and kept it in your garage, you'd have the same probability of it being crashed into taking it to the marina, and you'd be driving longer with more variables for that so it'd be a greater probability, than you would having that crazy-looking flying car.