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Sorry to hear this.
How much were your contents worth?
As you were informed that your belongings were insured, you may sue the owner for breach of contract and/or making negligent or fraudulent misrepresentations which has caused you damage.
Irrespective of whether or not the person was insured, you may file a claim in court for an amount equivalent to the value of your belongings.
It is apparent to me that the solicitors have been retained to fob you off and you may instruct your own solicitors and file a fast track claim online at www.moneyclaim.gov.uk or you may do so yourself.
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It does not matter that you had no written contract, you could argue that you had a verbal contract which is equally binding.
I would sue both of them as co-defendants.