For a while, I had a partner who lived in Harlem. Their apartment was broken into multiple times by forced entry via the fire escape.
I remember the cops laughing as they took the report, which we only filed to get the insurance claims. Nothing was done other than sending out two officers to spend five minutes taking the report. I’m not saying they need to find every stolen laptop in NYC, though. I’m just saying that they absolutely choose how to investigate and resource complaints.
I have to confess that I don’t remember. I carry riders on my other policy for high value items like my camera gear and bike. It all goes into a lump sum that just gets auto paid annually.
But you’re right - they’re fairly inexpensive to insure.