Then the house was broken in. furnace and hot water tank stolen!

@Robert H. i think the question is not whether James Moody has stolen from is you, the question is when is he going to do it.

Those are the indicators of the more troubled areas.Home burglaries, stolen cars, etc. happen in every neighborhood.

We owned this house at one time, but, it was stolen from us through fraud.

It's another stolen and re packaged system By this time there is nothing new.

With my house being broken into and having whole A/C unit stolen lol.

While it can save time and effort by giving suggestions, always do background research on the recommendation you are considering to ensure its reasoning is sound.Privacy concerns can crop up with smart home automation with more data being accessed by tech companies globally; there is a risk that should there be a breach in their security, your private data can easily be stolen.

For example the insurance covers fire damage and I keep an inventory of furnaces at my house if I ever need to repair or replace a stolen furnace.

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If you’re renting out shoeboxes in war zones or D- neighborhoods where the appliances will be stolen when the tenant moves out after a month anyway, then don’t include anything you don’t have to.