We had a break in one time and a fire another time. I DO believe your agent has a big part in what is paid, etc. I've had people tell me that XX ins. company doesn't pay, yet that would be my company and we had excellent coverage. Some agents don't want the big $$$ items on the record because it reflects back on them. I worked for an insurance commissioner. Trust me...if you don't believe you're getting the coverage you've paid for, WRITE the insurance commissioner for your state. It seems to me that a $40,000 claim SHOULD be covered for more than $8000.00. Write the commissioner and let him question it. You'd be surprised how many times the agents/company "re-evaluate" and decide you ARE due more $$$.