Couldn't agree with you more Albert!
My insurance policy is this; in this order:
1. My insurance company has me covered.
2. I live in a gated community and have a home that is fully Alarmed (w/motion detectors) and monitored.
3. I have 2 German Sheperds and a BC/Arctic/Eastern Timber Wolf on constant patrol in and outside my home.
4. Where coverages 1, 2, and 3 fail, I am always home and legally armed.
Don't get me wrong, I see it as just stuff, but barring the unexpected I feel fairly well protected.
Tim B.