I had power tools stolen from my locked tool shed once. Dealing with our agent was very unpleasant. He suspected a scam claim, despite me having all purchase receipts. He wanted me to run my claim through my contractor insurance (another company).
"I'm not a carpentry contractor; these were power carpentry tools, saws, drills etc. "
"Why do you have carpentry tools?"
"I do my own work around my house."
"That's very suspicious!"
"I'm not a professional chef either, but we're kinda partial to owning our own fridge and stove."
I've since really beefed up security, including covering and locking my canoe outdoors. We've also changed insurers. I don't know about any canoe policy coverage, I'd need to check that out. I'm sure a rider could be added to home coverage, as an auto rider as well. That's something else I've never looked into. My canoe is always locked atop my vehicle as well.