> The thing that saves most people is that there is really nothing worth stealing in their house Agreed. I lived in a houseshare a couple of years ago where th

> The thing that saves most people is that there is really nothing worth stealing in their house Agreed. I lived in a houseshare a couple of years ago where the housemates didn't want to chip in for contents insurance. At first I was shocked, and thought about paying the whole house premium myself, but then I actually thought about it properly for the first time and realised that the sheer difficulty of removing and reselling my mostly quite heavy valuables (things like TV, drumkit, etc) and finding/sorting though even the smaller ones scattered around the place, would mean that any burglar that did get in would probably just decide to leave it. It wouldn't be worth the risk, effort, or arguably even their time. I've not thought twice about contents insurance since. It's probably a product that makes no sense for a significant proportion of people (when you're renting and damage to furniture/appliances etc is covered by the landlord's insurance, of course!).