beat: robbed of $30k

[MicroBob]

I wasn't sure about that either.
I had stuff taken out of my car on a break-in a long time ago and my car-insurance rep asked it was worth more than $500 and it wasn't.
So I guess with my policy I would have gotten some of it back if it was worth $500.

Definitely worth asking about and then trying to file a claim if you have any chance.
Although in my heart of hearts I really don't think the insurance company should have to pay for the OP's stupidity.