OMG. As you say, it's not just the hassle of dealing with insurance companies and keeping your life running, it's the sense of violation and unfairness.

As it happens, we were discussing burglaries and break-ins at a class I was in last night. The teacher, a very proper 70-odd-year-old lady, described how after her break-in she would look out the window of her apartment, shaking with rage as she thought "which one of you bastards was it?"

I am so sorry.