It's just stuff. Don't let it rule you. Get insurance.
Must disagree with you there. Your "Get Insurance" approach is like putting corn out for hogs. They'll just keep coming back and bring their friends until they strip the land to mud and ruin your property. You have to shoot them.
Within a year after Katrina (NOLA thugs relocated to Houston), 10 of 12 homes on my end of the street were burglarized. This only emboldened the south-of-the-border contingent and things got really bad.
We finally had to strike back: killed one, shot two others, and captured a carload of turds at gunpoint.
Problems completely stopped. Now it's totally peaceful. Zero burglaries, not even any unwanted foot traffic. It's been really nice for the last 2 years.