When you insure them, yeah 😄
I brought it from a mate, I had one more payment to make on it then I was going to insure it and move it to a nearby marina, do it all properly. In the meantime, because he's a mate, he let me move everything on there in preparation.
Laptop, tablet, hardware wallets, back ups...all in one place, exactly the opposite to what I always preached. Lost all my nice clothes, camera gear, passport etc as well. Even gifts from my daughter. Now everything I have is distributed among multiple different locations, not just my bitcoin.