[thaumasiotes]

> In the UK where I am, most standard (not budget) property policies would cover theft from an unlocked entry point.

How is this supposed to be assessed? You can demonstrate that a door was locked, if some kind of obvious measure was taken to circumvent it (destroying the lock, destroying the door, destroying the window...), but you can't demonstrate that it was unlocked. Burglars aren't limited to destroying things to bypass locks. One obvious approach is to pick them.

[alexriddle]

Most of the time we knew because people are generally honest and tell the truth. A few times where we had concerns we'd apply for a police report - even if someone will lie to their insurer, they rarely lie to the police in the heat of the moment when reporting the crime.

All that said, I can't recall many instances where the theft wasn't either breaking and entering, or entry through an open access point. As easy as lock picking might be, it's not a common burglary technique.