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Ontario insurance BTDT's?

Someone decided a $250 Pioneer cassette deck was too good to pass up, and
broke the rear quarter window and took it off my hands on Saturday night.
Yanked on console, and broke at least one window switch. Drivers, now down
only :(. Also took Nikon SLR and lenses, cell phone, and my talking digital
multimeter. (Don't laugh, it's great for under dash stuff!)
Called cell phone company to cancel, first thing!
The insurance company has verbally told me they aren't responsible for
"contents", but I can't seem to locate that little provision in the OAP 1.
They say my home insurance covers that. Surprise, living in a steel doored
concrete high-rise, I don't have any. Although it seems they would cover it
if another vehicle was involved. Hmm
The content loss is about $800-1000, so I'm NOT prepared to walk away and
eat it. 

Are they just trying to passs the loss onto somebody else? Like me, or
another insurance company?

Or am I screwed? Anyone familiar with Ontario insurance hoops?

Steve Bigelow ICQ 22399818
Discreet Dungeons Ottawa Ontario
'84 5ks "Audrey", Zermatt silver, Husco armrest/cupholder, Bosch H4/H1
'82 Coupe (previous)