I think if you really care about an item it should be insured no questions asked. Especially higher value items such as firearms, optics and utility vehicles. My insurance only covers up to $2,500 in firearm damage and theft so I have our most precious items insured individually. Then there's people like my dad and think too much insurance is a waste and are willing to take the risk. The one item I worry the most about getting stolen is our Yeti 125 cooler while it's in the back of the truck. We never lock it but it's always full of ice,drinks, and snacks. It wouldn't take long for someone to dump everything out and run even though when loaded it's heavy as hell. I had a friend who got their iPhone stolen, did the find my iPhone and got the thieves coordinates off the phone and the cops wouldn't do anything about it. Not sure if I would hold my breath on the tracking system but you never know! Maybe the police would care more about a stolen ATV then an iPhone
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