How can she not have insurance? My home and contents is like 20 quid a month, and we got two free CCTV cameras with it. I'm absolutely useless at home admin tit but it's one of the first things I got, photographed everything I own that's worth something (spoiler alert: it's all obscure videogames and my wedding ring) and uploaded it all to drop box. She's got an Emin in the bog, a billion side boards, and documents basically everything else she buys for all to see, and a few Patreon payments would sort her for monthly payments or even a one off yearly payment if her credit is less tit than mine.
Being done over sucks, happened when I lived with my parents but they're insured so it was just the trauma we had to deal with! And my rage that I'd kept telling everyone the security lights had been moved but apparently I was just 'high' and 'being ridiculous' so that was a small and very questionable victory.