Hmm,
Our damage insurance was quoted at, like $2 per lb of carriage weight, so we were surprised at the very low number we were covered for. Make certain that you understand the calculation... that $100k could be if the entire vehicle flipped over, but is prorated for partial damages..Also, no insurance coverage for partial damage if you packed that box or loaded that table yourself.
The best bet is to get several local quotes to REPAIR the damage, and ask them for the average of those quotes. Many people try to get them to pay for the total cost of replacement, but the insurance is normally for repairs unless a complete loss of use
For the stolen items, do you have proof? e.g., item number 233 "tool box" was loaded, but never received at the other end? Otherwise, you could be SOL on the stolen items.