We were both insured but the landlord wanted us to pay for the locks and windows which were covered on buildings insurance and not our contents insurance.
We got broken into, and our apartment tried making us pay for the door. We refused to pay for damage we didn't cause, that was a matter for them, the police, and the insurance to figure out.
I've known a few people who are happy to receive stolen goods but wouldn't dream of actually stealing something.
Naw, they just don't want the risk of getting caught. If there was no chance of getting caught, those same people would do it in a heart beat.
Stealing from shops puts up the prices for everyone though as the business needs to cover the cost of goods that are stolen.
This is a false statement actually. Unless there is a ridiculously large number of shop lifters, stores do have both insurance and they make prices accounting for items that end up damaged or missing during shipments. Even then, stores will invest in security measures and write it off as a business expense, not hike up prices.
We lived in a rough area, actually we live in the same area, but police and community have been working on cleaning it up. Stores used to put game boys out on display in the open. Kids would come and steal them right out of the boxes. They locked them behind glass, and prices did not go up.
There is a store near us with small items that used to be in the open and they got stolen a lot. They are now behind glass. Prices did not go up.
If you as a business owner cannot account for reasonable losses in your pricing decision, you need to find a new field. The only reason prices go up is because people are willing to pay that price. You don't seriously think Frozen crap is over priced because people are stealing it do you?
Thieves shouldn't steal, but it'll never affect you personally, even if you're the store owner. Unless you're a terrible store owner.