Insurance companies don't sweat big lawsuits and have all the resources to put up a fight and spread the risk.
It's only a matter of them viewing it as an opportunity. It will happen. And they will be able to effectively (at scale) jerk around the trolls till the cows come home.
The trolls will either settle for a nominal amount (think of it as a protection racket) or pick a different house to break into without an alarm.
Insurance companies don't sweat big lawsuits and have all the resources to put up a fight and spread the risk.
It's only a matter of them viewing it as an opportunity. It will happen. And they will be able to effectively (at scale) jerk around the trolls till the cows come home.
The trolls will either settle for a nominal amount (think of it as a protection racket) or pick a different house to break into without an alarm.