That seems to be a feature of bad neighborhoods, and one of the contributors to what makes it bad. The "good" neighborhoods tend to have people willing to call the police when they see things that look out of place. When my neighbor goes on vacation I look out for his place. When I go on vacation he looks out for mine.
You should probably check into an alarm system. Maybe take your valuables to a family members for awhile if it's possible.
I've thinned a lot recently and this is my current approach. Also 100% of home invasions happen in the home, it's why I'm always carrying. I don't care if it's at the dinner table, in the recliner, or working out. The furthest away my pistol will ever be is during... well... you get the idea, is arm length.
Yes, you need a personal articles policy with each gun listed separately. Insurance for this is cheap and the deductible is zero. They should absorb your deductible btw, so get the entire $2500.
There are no restrictions on covering consumable items, You lose a freezer of beef they pay.
You still list every gun taken, they apply the deductible off your total loss even if its above the limit then apply the limit.
Make sure your homeowners-renters insurance covers the breed you want as some don't
