amateur philosophy

     I have been told, by amateur "philosophers" that crime is the will of God, and that this is God's way of, among other things, punishing the wicked. A "Miracle on 34th Street" moment for you--according to the government and laws of the United States, which can be seen in the workings of our insurance industry, God does not underwrite or sponsor crime.
     Most standard insurance policies exclude from coverage what are legally termed "acts of God'. That is why our government occasionally steps in and offers flood insurance to people living in areas where floods are common--because floods are an "act of God" not covered by a standard insurance policy.  This is because a widespread natural disaster would bankrupt any insurance company, not because the insurers are afraid to thwart the will of God by offering insurance against  divine retribution.
     You can, however, buy insurance against crime. Both car insurance and  homeowner's policies cover theft and vandalism, and life insurance pays if someone is murdered. So, according to our government and legal system, crime is not an "act of God".