The problem I see is this: How can anyone prove anything? Will they be entering exact factory numbers etc? I ask because one could easily include a bunch of very expensive laptops with stock photos / photos taken from a friend and then get "robbed" and provide this evidence. This might be the only trouble with attacking the insurance providers (although I could be wrong if there is a way to insure they actually own it).

In any case I wish you the best of luck!