Most insurance companies were run poorly and are not suffering from paying out damage claims.
The insurance company response to this is to raise premiums and lower coverages.
But you are likely talking about a "rider" or "addendum" style package to your existing insurance coverage...likely your homeowners insurance...who are the ones "suffering" and are loathe to add any coverages.
SafeCo allows for these riders, and I'm sure others do as well.
You will be required to produce an inventory and value based on real world evidence.
This will be an additional item on your general coverage similar to covering jewelry, collectables, tools and machinery, and parts inventory items like most businesses.
If your insurance company will not allow for this type of additional rider coverage, I would directly ask them why.
Then go searching for a different insurance provider.
There are certain insurance companies that directly service specialty items, like Lloyds of London (Lloyds is not actually an insurance company by the way, but those details only matter if you choose to use their services)
This style of insurance provider will insure just about anything as long as you can prove actual value and are willing to pay the premiums.
Search around, this is not an unusual insurance item/subject...It might only be a "problem" with your agent.
