I reckon you should be able to get Furni Insurance. Obviously this would be for wealthier people only, who its actually worth their while to do this.
Basicaly you pay a certain amunt of credits a month (I was thinking 10?) and then everything you own on the day of payment is secure so if you get hacked Habbo replace it and you dont lose your 1 million thrones or wotever.
Thats my idea anyway :P
Excuse the poor spelling and grammar its late ok!

