Just make sure to read the small print to see if they include any exceptions to what they actually cover. I know that for theft, despite having insurance it is often impossible to win a claim, lots of requirements such as it only covers theft from your own house, you have to have reported the theft to the police within 48 hours etc. Sounds good though.
I think its always pretty hard to show the theft. But for sure the theft is the hardest reason to prove. But i am not really afraid of it. I am pretty damn normal with my Surface. Nevers shows it on train stations or something. Just go work / school and at home