Some objects are replaceable, some have personal value to me, and it is generally annoying to replace keys and documents, but it wont take you thousands of doll

Some objects are replaceable, some have personal value to me, and it is generally annoying to replace keys and documents, but it wont take you thousands of dollars and months of work to fix that. An insurance here that covers burglary (among many other things like accidentally damaging something and so on) costs about 200€ per year. And it will replace anything that was destroyed or stolen. You might lose some things that have personal value to you, but I hope you wouldn't kill or harm someone just to get your grandfathers watch back.