That seems besides the point. Not everyone has homeowners insurance. If anything the insurance company should be going after the government too. The point is,

That seems besides the point. Not everyone has homeowners insurance. If anything the insurance company should be going after the government too. The point is, there should be restrictions on how much damage police can do in pursuit of a criminal, and any damage beyond reasonable should be considered the fault and liability of the police force. In Illinois the government goes so far as to actually pay for hospital bills caused by criminals. Keeping the city safe is considered the responsibility of the government paid for by your taxes, so the gov takes some liability for criminal damage.