The under $950 thing is very spurious. It really should be “we won’t go after anything under 100k” because that’s essentially what it is. Things at the 10k mark

The under $950 thing is very spurious. It really should be “we won’t go after anything under 100k” because that’s essentially what it is. Things at the 10k market are routinely stolen and not reported because cops won’t do anything. “Fill out a form. Thanks. You have video of the perp doing it and their name, address, social security number, and the last four digits of their credit card? Sorry, we can’t do anything.” If you have anything of value just insure it and put a low deductible on it. Cost of doing business in these times.