I had my entire car stolen when I was younger and I had a somewhat decent system in there. They interviewed me over the phone and asked if I had my stuff LOCKED DOWN, like chained. I said no, after the interview was done being recorded she said that since I did not put chains on it or some other restraining device, they cannot cover it.
Even though they stole my ENITRE car and had all the time in the world to break through ANY chain, they still did not cover it. Insurance companies are just as big as crooks as the theives!!
P.S. I had ALL my receipts!!