Normal
Their coverage is pretty specific on what it wont cover. Some companies have a really small threshold of what they pay on "unlisted" items. Hence, your 1000 dollar estimate. Some don't cover vehicles in the homeowner insurance, since they want to sell you separate policies for those. If you dont list all your tools separately, jewelry, stereo eq etc they have that "limit". Had you listed all of that they likely would have charged you more for your insurance to begin with.
