That is in fact the issue. Years ago when I was burgled, the French doors were unlocked. Fortunately the perps were a bit thick and had jemmied a window instead. I got paid OK
One salient fact from that was the joyous policewoman who informed me that they had also B and E'd a house with a woman and child in it "So now we can charge then with Robbery With Violence and that will get them seven years instead of three!"
So anyone who walks into your house while you are in it, you can tell them that you will in the end get them done for robbery with violence if they don't scarper.
Another salient fact is when the police ask you to ID your goods at a police station 70 miles way, only ID enough to help them get a conviction and don't tell the insurance company more than that. It took me two years and 240 miles of travelling to get back the items the police did recover during which time the insurance did NOT pay for the items because they had been 'recovered'