What rights you have are determined by the contract. The fact that the insurance company is arguing about ownership of the digital assests suggests that you may have a case. You need to consult an attorney who specialises in insurance law. Three legal principles that work in your favor:
1. Any ambiguity in a contract is interpreted against the person who drew up the contract.
2. Insurance contracts are “uberrimae fidei” (utmost good faith). This means that if the insurance company acts in “bad faith” , for instance by lieing to you about your coverage, they may be subject to punitive damages. The suggestion that they might be acting in bad faith is guaranteed to get their attention.
3. Following on from 2 – it is an established principle of insurance law that “the reasonable expectations of the insured must be protected”. This means that a subclause on page 20 of the contract cannot be used to deny you basic coverage.