We use the policy of 'Not owning valuables'. Mostly because they all went out the window about 12 years ago when we had 4 break-ins in 6 months.
If someone steals the tv then I get to buy a new one. The laptops tend to be with us, the tower runs Windows Vista and they can have it (HAHAHAHA). Wedding rings are on our fingers.
The only really valuable stuff in our house is the furniture, which requires more transport capacity than most burglars have. And it isn't really valuable.
Seriously, why own jewelry? It is a bizarre skeumorph from the dark ages when people carried their wealth on their person and displayed their status. Now, if status display is a goal, humans have so many more ways to do it.