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It all comes down to the policy and what kind of limits there are for personal items. The policy should also state replacement value or actual value. And someone was right that the policy owner would need to make the claim.
Most important.... if there was theft, I hope you called the police and filed a report because that adds credibility to the theft claim.
For the future, take photos or video of the contents in the home up close enough to show model numbers and conditions. That always helps if there is a conflict.
Tough luck at Christmas. I wish you the best of luck recovering from this experience.
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If you're wringing your hands you can't roll up your shirt sleeves.
Stangers have the best candy.
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