Burglar?Teddy,
Is there a reason you can't get homeowners (actually, a condo owners policy) and personal umbrella insurance policy issued by the same company?
If your cats remain strictly indoors, how could anyone be bitten by the cats? Certainly you wouldn't invite Brat to visit.
But I don't know if they would have rights to sue one whom home they broke into, it is possible here, but I don't know if your country is similar, I think that at least in Texas it would probably be just self defense, while here it would be probably failing to control pet, we joke here that some our laws seem to protect more criminals than lawful persons, but it is way it is, attempt is to give everyone equal rights but I guess it is bit work in progress still.