homeowners insurance

I bought an engagement ring last April for about $3.7k. It was lost, but insured and the independent appraisal for it was $4k. Insurance (which is supposed to cover the full cost of the ring) is saying it’s only worth $2k (about 6months after the appraisal). What’s the thoughts on the worth of...

I'm trying to figure out if my e-bike is covered. Technically it has a motor and it is a vehicle so I think it's excluded, though the the policy also states "electrically powered vehicles designed for and used as a toy." are covered. I'd ask my insurance company- though the only people who seem...