I do not disagree with your advice. Based on my experience with 3 insurance companies and talking with a family member who owns an insurance agency your agent does not have any say in how your claim is settled. I received a letter from State Farm telling me they would no longer cover my horse trailer. My agent told me their was nothing he could do about it. This was not a damage claim but it shows how little, if any, control your agent has after he sells you a policy.Chris is correct.... ASK and document your conversations. Ask specific questions and demand specific answers.
My shop and contents are covered under my homeowners. Yours may differ.