Unfairly declined claim

Good Day <br> <br> i took a policy with first for woaman that would cover the contents in my hand should they be ****** or lost, i have recently lost cellphones and suglasses in my handbag, i claimed and my claim was recoderded accordinlgy, when i finally submitted the required documents including the price of the lost items my claim was declined, saying that the items were not stipulated in the policy, when i took the policy no such explanation or question was asked to stipulate the items i am insuring in the handbag, one of the comments of the person attending my claim was the items are expensive, i was never told not to claim for expensive items in the handbag. Help