From wbat I can make out, insurers generally expect householders to 'secure' theud property properly, and take the attitude that the absence of clear evidence of forced entry, like a broken window or kicked in door, as evidence that you must have firgotten to lock up, or left a window open.
If a remote lock was of good quality, it couldn't be hacked so you must've given someone the code You didn't? Well, if you installed a hackable door lock, sir .... then you clearly failed to adequately secure the property.
Either way, you're at fault.
Cynic? Me?