The insurance company in most cases will compensate the victim financially for the value of any stolen item and for the repair of damage to the home depending on the policy.

Nothing can compensate for the the loss of, or damage to, those cherished personal belongings which are irreplaceable and of great sentimental value. Items which have taken a lifetime to collect or create may be stolen or damaged in seconds by an intruder.

Homeowners must also consider how much (s)he is prepared to pay for peace of mind of not only himself/herself but also the family. The same would apply for a single parent or for the elderly who could be subjected to unnecessary harassment. Fear of crime is often very much greater than the actuality.

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