A lot of insurance companies are running into these situation and most will give u a Piece of paper stating wats covered and "add on" items that are NOT covered, I know my insurance company did (Liberty Mutual). I purchase addition coverage which they called "Modified coverage" to cover my rims, coilovers, etc...
Like B18c1 said a lot of people in the car community assume because they have "full coverage" they are FULLY covered & safe, which unfortunately u are having to find out the hard way is not the case. There's a reason the insurance company gives u a buch of papers when u get a policy, that's there contract of coverage so to speak. I bet that if u got through all that paper work u WILL find documentation stating wat is covered and wat is NOT, also never listen to ur insurance agent cuz 90% of them have no clue wat is truly covered, They are there to sell insurance not file claims and handle pay outs. My sister is an insurance adjuster or Gieco and she was the only reason I even found out about "modified coverage" I was under the same impression as u which is full coverage Is FULL coverage, but that's not the case.

Good luck I hope u can come close to wat u had in the car, even though I feel ur going to come out in the red big time.