[watahyahknow]

never did trust insurance companies like you said they prommise a lot and dont deliver , make sure those promises are in writing and sighned and if its worth it have the item insured validated yearly by a licenced validator
the only insurance i have is basic car insurance to pay for damage i make to the other party and a insurance for when i need a lawyer in a civil case to get my money if it isnt my fault , there are ways to have that done by youre insurance but there not trying real hard if sumting like this happens :
friend of mine had someone drive intoo his brand new beamer , it turned out the guilty party responsible was insured by the same company he was , it made for some verry interesting wiggling from told insurancecompany to get from under the claim and a raise in the premium on the insurance of the NON guilty party , a non biased lawyer wouldve been verry helpfull in that