Old Mutual Insure - Claim nightmare

Seems like the small folk are always targeted when it comes to claims. After the trauma of a break in and after submitting my first ever claim (excluding a car accident claim), I'm only being paid out not even half of what the original claim was. The large corporate companies do not care that your personal profile may be different to others. Being a thrifty person and having furnished 90% of my flat from Gumtree, there is no way my household contents is even half of what the assessor says it is, and now I am liable for basically 50% of my claim because Old Mutual is of the opinion I am underinsured. Surely we have a right to specify what we would spend on items should the worst happen. I'm lost for words. I'll be taking my business elsewhere tomorrow - my insurance policy as well as my investment policy. Old Mutual has seen the back of me. It's sickening.