I have a Great Dane and two other big snouts to protect my house. However, if someone were foolish enough to break in, and lived to tell about it, my homeowner's policy will cover anything they steal. A homeowner's policy will reimburse for the actual cash value or replacement costs, described previously. To make things go smoothly at the time of the claim, inventory all the costly items in your house. Not only document them on paper, but also take pictures and save receipts. I wouldn't put the inventory on a computer -- it might be stolen, too.