If these things ever happened no one would use those boxes.

Stealing from guests would still be high risk / low yield. I doubt people are leaving cash and jewellery in their apartment when they go out for lunch. If you want to engage in a life of petty crime I’m sure there are more rewarding ways.

There isn’t really a limit to what’s covered by insurance. That’s kind of the idea of having insurance. Low-cost damage isn’t covered, but if you started a campaign of petty vandalism the owner would address the security deficiency.