I'm very sorry to hear about this. Thieves and vandals are amongst the lowest of the low. I've been there. I've had my jeep broken into and trashed twice. There are no words to explain what I would have liked to do to the people that did it.

Thieves and vandals think they commit victimless crimes because people have insurance, but they are wrong. As you said insurance doesn't cover everything, and in addition there are deductibles, and claims are generally followed by increased premiums. Never mind the fact that if there were no thieves and vandals, we wouldn't need insurance for them ...