[Corey]

Unless specifically stated in an insurance policy, there's no coverage for gear. Even if it's a "full coverage" policy (which is a joke in itself), it won't be covered unless listed. Some insurance companies offer coverage of your gear under an insurance rider (add on, not actual rider who rides a bike), but they'll charge extra, of course. Also, the rider will either be for gear which you specifically list with stated values, or a more generic "we'll give you up to $xxx" with the amount they'll cover varying on the amount of coverage you elect to carry.

It sucks, but if it's not specifically listed in your policy, you can fight tooth and nail with the insurance companies and still come out with nothing.