My approach is usually to go where I please and take what I can. After all, you never know where evil is hiding but there are sure to be some pretty evil gems, swords and the like out there. Me and my poor lore skill can't be sure so we're playing it safe and take everything that's not bolted down.
If the owners have a problem with it, they can come and find me and I'll gladly apologize, unless they might be evil themselves in which case they should submit to goodness or die. Also, no truely good person would object to my using a few of their objects to save the world (or even just my life, or to support the local merchants). It's quite an honour, in fact.
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