Well I always live in good neighbourhoods, so I guess the insurers don't mind in my case. My current policy also covers theft of items stored outside the house

Well I always live in good neighbourhoods, so I guess the insurers don't mind in my case. My current policy also covers theft of items stored outside the house - bikes, ladders, furniture, etc. Sometimes it's not always cheaper to live in bad areas, when you add up the total cost of living.