To elaborate a bit...
If your standard policy just has specified coverage of $200K for "Personal property" and NO OTHER FIGURES or numbers, that's the most you can get no matter what, unless you have additional coverage OR your individual personal property is itemized or "scheduled". Even if you have a receipt, that does not matter at all regarding your policy... it just states what you paid for that item. Nothing more.
Here's a scenario: You have a policy where the agent says "Your 20K pinball machine is covered" and you lose your home and all it's contents to fire. If your policy specifically covered $200K worth of personal property, but you add up everything (including your pins) and the total is $250K, guess what... you only get $200K and the remainder of your property is a loss. Receipts and appraisals do not matter.
The agent says "you're covered" because it makes the consumer feel at ease and the chances of something happening is low. But, he/she is informed enough to know you don't have a single possession that is worth more than the policy so if you ask "Is a $25,000 item in my home covered?" They immediately say "Yes, certainly." because that falls under the $200K "personal property" terms.
What they don't mention is that if the 25K personal property items add to OVER $200K, those items OVER AND ABOVE that mark are NOT covered. Also, you have to somehow prove what the items are actually worth.
The other problem is how much is it to replace your "personal property"? Most agents have general item knowledge on replacement values and you want to make certain that your agent knows that a pinball machine is worth more than $500. If you lost a bunch of machines and are standing there in the ashes, you are going to expect to get replacement value for everything... The reality is that if nothing was in writing, you ARE NOT going to get it!
Once a disaster strikes, you immediately have to think of your "case" with the seriousness of a "murder trial". And the insurance company will usually do ANYTHING and EVERYTHING to not pay out. Hiring an attorney is almost ALWAYS necessary. Does your policy pay for those expenses? I doubt it.
The agent doesn't want to reveal all this though, they want to sell you the policy and move on to the next client.