My house was burglarized last year and much of my photography gear was stolen (along with most everything else of value in my home). Thankfully, my insurance paid to have most of it replaced. Moral of the story? Have insurance.
By the way, you shouldn't be running into burning buildings, unless you really believe that those lenses are worth more than your life. (they're not).
LOL @ Quidquid latine dictum sit, altum videtur