From my experience, relying on insurance is just not acceptible.
When I turn in a claim, it goes on record.
Enough claims (like 2 or 3) and my rates go up.
Any more than that and I can get cancelled.
I have insurance because it's the law, but I only use it if my car gets totaled or something catastrophic like that.
Sorry to all the insurance agents out there, but somebody had to say it.
I can't tell you what I would do, really, but I am sure that I would take some kind of unpleasant action against the burglar.
I would want him to be there when the police arrive so he can be arrested.