I was burgled, the chaps kicked in the double deadlocked front door & they took my fav guitar as well as several grand of various other items. "They" were disturtbed by a neighbours dog & took off with the easier to carry stuff leaving basses, cello etc were lined up in the hall waiting to be loaded.
We were & remain insured. That's good but dealing with replacement is a BIG hassle - stat decs about ownership, recipts, photos etc.
Not to mention that it took me a few years to locate the same make & model guitar.
We live in a quiet area but the house isn't visible from the road so I discovered seclusion brings its own problems.
We have good locks & security on every way in & out, including windows, which is a drag but necessary.
The funny thing is that for 40 years I lived & then also worked in the kind of suburb that is demonized as a nest of thieves and antisocial people yet was not bothered, hindered or robbed once. I moved to a lovely area to work/live & we were knocked over within the 1st 24 months.
I did discover that it was good the wife & I weren't home when it happened as the chaps were on a spree and had previously, as well as subsequently, bashed and tied up folk who were home.
I had a great big two level cake tin 2/3rds full with 100's of band & music badges that they took & apparently spilled ot of their car as they drove down the highway. Bummer!
I discovered through the process that copies of your policy, photographs, receipts, specifically listed items of value, lists with make model & condition are all necessary & need to be stored securely to beat the insurance companies who have as their standard 1st response "You're not covered for that".
Oh, during the process I also discovered that, in my state at least, "collections" such as LPs, CD, DVD, BOOKS etc need to be itemized & copies sent to the insurer or they will only give a partial coverage to them & def. NO consideration for rarity etc. I had a big brawl with the company over this matter & in the end sent them, via fax, a complete catalogue of CDs & LPs (about 3 1/2 thou including artist, name, cat#, label & X ref.) via fax in large font from my computer so it annoyed the hell out of them and cost them a bundle of paper. Small satisfactions are at least some revenge eh?