Whilst we do have valuables in the house the only thing covered separately in insurance is dh's watch. Individual items have to be above a certain amount (few thousand) to need insuring separate;y in our policy.
When we were burgled the police came the same day.
When we were burgled in this house it was around midnight. The police arrived at 2am - they knew they'd gone already and they apologised for the delay. Our house alarm had scared them off and had woken us. Then the community team came during the day. The day after another team came and brought things like smart water and support guides.
The burglars had targeted dh's car. They took the wrong keys however. They'd clearly been watching his car and possibly following it to see where we lived. They weren't interested in electronics and devices such as iPads, MacBook, laptops, or dh's phone - all visible in the room they walked through.
They did return (or someone did) a few weeks later but didn't get in. We'd changed the patio locks (all the locks infact) to heavier duty anti-snap locks and they damaged them but couldn't get in. After that we changed the patio door handles and locks again so that there is no handle or visible lock on the outside,
We always make sure the alarm is fully on whenever we leave and partially on when we go to bed. The alarm stopped them coming upstairs.
We also leave the keys out. They aren't on view so can't be seen from doors or windows, but if anyone did get in the car keys are visible if they go into the hall. This was on the police advice - it means they take them and don't come upstairs and reduces the chance of them coming into your bedroom or ransacking your rooms. Though this does also depend on what they are looking for.