Many assumptions are simply false.
The risk of becoming a victim of a burglary is often underestimated or is brushed aside on the basis of preconceptions. “No one will break into my house anyway” or “I haven't got anything worth stealing” are just two frequently voiced opinions that are refuted by the facts. The view “I am insured and everything will be replaced” can also prove to be a misconception.
Most preconceptions regarding domestic burglaries prove to be false.
Most burglars are opportunistic thieves who use simple tools and wait for the right circumstances. These offenders can normally be deterred by installing visible mechanical or electronic security devices. Experience has shown: thieves want to get what they are looking for quickly. If the burglar encounters obstacles, he will soon abandon his plan.
Your insurance company may indeed pay for the financial losses caused by a burglary. But insurance, however good it is, cannot replace real values. And the insurance payment cannot take away the uneasy feeling that comes after a break-in, which can even lead to a deterioration in the victim's overall quality of life.
That's what you think. But the burglar doesn't know that. He can rarely estimate in advance “whether it's worth it or not”. Additionally, many burglars are not after a large return. When it comes to drug-related crime for instance, digital cameras, purses with cash money or small necklaces are often enough for an offender. And most probably, anybody has something like that at home.