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Ok this may sound strange but sometime ( Not always ) if your sims have real "cheap items" in their house, that not worth a dime or cost very little, the burglar or robber will not waste their time to come. Why should they? They feel like they can not make much money off it.
I have found that if a sims is somwhat rich or living kind of good with really nice furniture painting, sculpture and other costly items in the home or on the lot like a nice car, the burglar or robber seem to always pay that sims a visit late at night when they are sleep.
Once and a blue moon ( long time ago ) I have had a sim get robbed who was just starting out, the poor sims had very little in his house everything he had was dirt cheap the robber stole his TV. lol I feel that Burglar must have been hard up for money or drug out. hahahaa
"Nothing in life is a Surprise it just happen to come your way at the time".