If you fill your home with a bunch of generic, replaceable crap that has no meaningful value to you other than that it is available for your use then yes, this is mostly just a hassle for the insurance company, assuming you have receipts and whatnot.
Most people, however, are not borg drones and though a check from the insurance company may allow for acquiring replacements for lost items it won't make up for the damage done by a robbery.
