I got hit last month....
$650 Stereo
$300 CD Changer
$600 Amp
$120 Optima Battery
$75 Auto Meter Shift Lite
$50 Auto Meter Oil Pressure Guage
$1500 In Damage (Door Lock\Trunk Lock & dents along side of car)
Took some personal stuff inside including money and expensive watch. About $400 worth of stuff.
As far as Insurance goes (Let this be a lesson to you) 
Home owners insurance covers what inside the car (cd, clothes, etc.)
I have a $500 Deductable, so it was not worth it. A LOSS
Auto Insurance covers damage to the car and stuff attached (Stereo, cd changer, etc.)
Now here's the kick in the ass.... Amp is not covered unless you have a added coverage for it.
So yes my $600 Soundstream amp... GONE.
Most of everything was covered, they had to think twice about the oil gauge, but did cover it. And I was asked if my battery in the trunk was factory, but they covered it as well.
