we have all state, i told them what they are worth and he made a policy for them.
but there is a lot of fine print in insurance contracts. if your house burns down nothing in garage is covered unless it has its own policy. even if its a old car you are restoring and
it has no insurance on it. or you will have to have them come out and adjust (new appraisal) your policy to what new stuff you have done to house, plus this also means your insurance will go up.
just tell them what you want it insured for and they will make a policy for you. well they should, this means they are getting more of your money.