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Ok well, according to this https://www.awinins.ca/blog/am-i-covered-if-i-leave-my-front...

"As long as it can be established that your possessions have been taken without your permission most policies will pay out on a claim even if your front door was unlocked or your window open."

so - as it says later "Familiarise yourself with the terms of your policy" which I guess would lead me not to buying insurance from your company.

Aside from that allowing insurance companies to determine who 'deserves blame' seems to run counter to the common perception regarding the moral worth of insurance companies.



The OP was making a point. Not actually getting into what legal (not relating to ethics) mechanisms there are for insurance.




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