@LynneMarie I don’t have an answer to your question. However, I sat for homeowners in Australia and it was a first sitter experience for them. Their insurance said that if they had one locked room and moved their valuables to that room, they would be covered. The down side was that they chose their bedroom with an ensuite bathroom. I had to explain that if there was a plumbing issue, I would not be able to access that room. They were willing to take that chance and thankfully nothing happened.
I’m mentioning it only in case some other owners would be covered if they used this approach. Something to check with their insurers, of course.