> I mean, it's not like there isn't a human liable for theft, and that's a pretty common coverage in both homeowner's and renter’s policies. Good point. I gues

> I mean, it's not like there isn't a human liable for theft, and that's a pretty common coverage in both homeowner's and renter’s policies. Good point. I guess the logic is that a burglar is unlikely to be doing particularly well for themselves in life, and so may not be able to compensate you for your loss.