Mr Roberts then tried to "rescue" the organ so that it could be replanted but it had been put in sterilising agent and was not an option.

BBC: GMC told of op x-ray mistake

Bank robbers "have realized there's a more lucrative and less risky option, " said retired FBI agent Jeff Lanza, a public speaker on risk management.

WSJ: Crime That No Longer Pays

For now, many consumers' best option is to seek out an experienced and reputable insurance agent to cut through all the confusing language, says Amy Bach, who runs United Policyholders, a consumer-advocacy group in San Francisco.

WSJ: Dodging a Home-Insurance Trap