I agree insurance is a great idea and is something I will do , But with that being said , I live in Texas and there is no shortage of people ready to steal your things then resell them 4 hrs later in Mexico . I had some gang bangers rob my home while a few stayed outside to keep watch , the neighbors were so intimidated by them that they did not call the cops for fear of retaliation , I know myself and many others would love to take an eye for an eye but its not practical when you have loved ones and don't know if you could get em all at the same time , Between the cops lack of interest, the insurance company depreciating the guns and stereo , TV and everything else , not even counting the mental anguish of my home being so brazenly assaulted I would like to make it difficult on a thief as possible and avoid the heartbreak . Its a ugly world at times and the less I experience the bad the happier I am. I have moved to a better area but I bought my house from a local cop and he shared how many Meth heads are in the area and always thieving .