Not a home but if you were a bank and a 17 year old walked into the bank, talked to someone and was able to walk out with a fat stack of cash i think the insurance company would have to reconsider your policy.
According to a family friend who used to work bank robberies for the FBI, it's very easy to get away with one bank robbery. It's the compounding evidence when you commit more that gets you. Of course, that was a couple decades ago. I'm sure better surveillance technology has shifted that balance some.
The challenge is to get out and never be caught.