I have a concealed carry permit and every time I leave my house, I am armed.
I could never justify shooting someone for stealing my property. That's what insurance is for.
They are still costing you, and everybody else who is insured, because the insurance premiums are high because of people with attitudes like yours. I do not understand why we have changed in this country to think it is a bad thing to protect ourselves and our property. That is a GOOD THING!!!!!!!!!
Insurance only pays if you can PROVE the property was stolen, which is not always possible if the thief got away with it.
The insurance industry thanks you.