What are my rights regarding a total loss from a house fire?

Question Details: I just experienced a total loss in a house fire. There was a 4-wheeler in the garage. Our agent came to our home to do an inspection and inquired about the golf cart and motorcycle that were also in the garage but insured by another company. He never mentioned the 4-wheeler. Now they are claiming we cannot claim the 4-wheeler. They said we needed a separate rider for that but they never told us that before we signed the policy. Do we have any recourse?

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