My purchase warranty on the D300 requires that I have an identiable body left to turn in. Even covers water damage. Theft would require a rider on my homeowners and if it was stolen I would claim it.
They do take a lot of abuse. I did a complete rollover on Donner at the WeRock comp two years ago and hit the end of a 200mm lens hard enough to bend it. It looked like a yard sale. Make sure you zip the camera bag up before you try that one! The camera body was fine, but it would have been covered by warranty if the camera had been less than three years old.