Earlier quoted context omitted.
I left my car unlocked and accidentally left the garage door up. I lost the stereo from the car, and suffered a lot of console damage as well. I had two surfboards, some tools and a set of CD's stolen. It was all completely my fault for bumping the garage door remote (I now leave it in the car, always). The insurance company paid up, both for the household items taken, and the car insurance for the stolen stereo and…
If you lived in a bad enough neighborhood and had an insurance policy like that, "accidentally" leaving your doors unlocked would be a cheap and easy insurance fraud--which is why some insurers are reluctant to cover people in that situation.
Sometimes it's not always cheaper to live in bad areas, when you add up the total cost of living.