Re:But the guy who broke in is still a criminal (Score 1)

Having a look at an old policy... the locks and so forth must be installed and in working condition, but forced entry (i.e. picking a lock) is not a requirement for the claim to be valid. However one thing I was mistaken with is that if I invite someone into my Home and they steal something then I cannot claim; though certainly its still a crime. Stolen stuff that was left in public or shared spaces (like a shared car park in units) cannot be claimed either. Home contents covers accidental breakage of stuff too. I read somewhere that it covers a tax audit as well (if I'm unlucky enough to get audited, the insurance company will pay a certain amount for accounting fees). They cover my contents even if I bring them with me on holiday and had left them in a motel room or something like that. They also cover to some extent vistors contents. So if you bring an expensive camera to my house and it accidently breaks or is stolen then I think it is covered to some extent. There are a lot of clauses, but it does indeed sound a lot better than U.K. contents insurance. (Having said this, some items like bicycles and laptops need to be locked down... when travelling or in open air, etc., blah, blah, blah ....)