oh there was insurance on the garage,but imagine my surprise to learn that a car isn't considered "contents!! since the car was a major project, just liability on the car.But when the adjuster came out, he told me to make a list of all my spare parts,tools, lawn mowers,etc...and he said he'd take care of me. and he did.
and never be ashamed of torn seats,primer...I know of several very nice mopars near me...Daytona,'69 Charger,'70 Challenger 'vert. all done, that haven't been out of the garage this century. You only have so many heartbeats, and you never know when your pride and joy could be taken from you...so enjoy it!