Uninsured drivers have always been a problem. Fraudulent claim frequency hasn't really increased, but the cost of those claims has increased along with the cost of every other claim that's filed. Damage/theft from criminal activities is a drop in the bucket for your home/auto insurance, especially home insurance. Auto, it's largely a nonstarter unless you own a high theft vehicle (Kia/Hundai without the immobilizer, Charger/Challenger are good examples).

Health insurance is a whole different bucket of bees.