Well, why should an insurance company pay for a trampoline unless they have an umbrella liability policy? It's not a part of their house or car. That's personal liability.
Sounds like State Farm is looking out for its owner/policyholders.
I also don't see how a company is responsible for providing a rental car beyond the car itself being settled. I agree to hold out for a reasonable offer on the sound equipment, but that does not entitle you to a rental car during that time.
