Does the average person pay more in insurance than they get out of it?

I understand the benefits of insurance, especially in the short term. But for optional insurance (ie, non-legally required insurance and insurance which isn't compulsory), such as contents insurance, is the amount of money people pay to the insurance company over their lifetime less or more than they claim on it? I know this depends on the amount of break-ins and the valuables the insurance covers, but generally speaking, by the end of their lifetime, does the average person pay more in insurance than they ever get out of it? And if so, does the insurance company keep all of the remaining money which you haven't claimed on?

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