I think it's a cost/risk assessment.
All of my firearms are insured on our home owners policy. I keep a complete list with serial numbers on file. I've made what I consider to be ample precautions to secure my firearms. I don't live in the city and break-ins are rare in my community. Last one was an unoccupied house about 10 years ago. Neighbors keep an eye on who comes and goes and I tell them when I leave for more than a few days. I keep a car in our DW and a few lights on timers so anyone who doesn't live in the community wouldn't know if there isn't anyone home. The private road and DW to our house has security cameras and signs stating they exist. A meth head might be desperate enough to break in but I doubt some pro would look at it as a situation of opportunity. There's always the chance of being shot in the process. Probably not your average situation however.