It ain't cheap. I have had to claim twice at home, both big claims, 2nd was a repeat theft 6 months after 1st one.
Had to up the security at my house, new door and fit an alarm. My premiums went up but still cheaper than insuring seperately. Individual insurance is better though as covers items where ever they are.
Many years ago I had a flat tyre on the way to a tourney. I took my bag out of the boot to change the tyre, fixed it and drove off, leaving my bag behind. When I went back it was gone. No accounting for stupidity eh?