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Sympathies from the left coast... it truly sucks that there are people out there that are that depraved as to think that somebody else's stuff is just there for the picking.
Fight the insurance company: For the reasoning offered by your agent, ANY theft could be considered the "owner's fault," in one way or another. Even a locked car stolen form a guarded lot could be considered the owner's fault for not having it under a steel dome filled with hungry Dobermans. Leaving a door open does not make stealing your stuff legal... ESPECIALLY in your living area.
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