The analogy is shaky, because 'crime' notwithstanding, good luck with getting anything from your insurance if: 1. there was no breaking in; 2. you didn't take

The analogy is shaky, because 'crime' notwithstanding, good luck with getting anything from your insurance if: 1. there was no breaking in; 2. you didn't take minimum precautions to protect your door (a 3-point lock is often required) and other openings.