i know when i had my car broken into and a lot of electronic accessories (cd player, dvd player, tv, subs/amp) and a toolbox (with $2k worth of tools in it), i was able to file the claim under my home-owners insurance and they paid me for everything. i'm not sure if that was only possible due to the fact that the car was parked at home, but the auto insurance company told me that aftermarket accessories are considered an extension of your home.
oh, and the reason they ask for aftermarket items on the motorcycle is to determine the risk...not to re-imburse you for it. the same probably goes for that extra part on insurance apps for cars (greater risk of theft with more add-ons, instead of greater risk of accident as compared to bikes).
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