Mind you, for someone breaking into someone else's house, I'd be all for that happening to them!
Insurance - probably, then, best to shop around. Years and years ago, I had some very expensive came equipment and I found that if you shopped around, you'd get it covered for about 10% of the cost of taking out some sort of special policy. From memory, it worked out at maybe €40 a year on top of the basic policy cost. Maybe double that nowadays.