My homeowner's policy is also 10%, so I raised the house coverage to give reasonable protection for my outbuildings. The contents of the outbuildings are covered on my homeowner's, so long as nothing is used commercially.
Had a recent claim from a large oak hitting one building. First check was $19k, remainder upon repair completion. While the adjuster was here I took the opportunity to ask about a number of things, including my large amount of machinery. Fully covered, so long as nothing has unusually high value as "collectable", which should have a rider. Any machinery damaged off my property would not be covered. The assumption is it was then used commercially.
No need to say "storage" for a farm outbuilding when it's full of obviously often used tools. My farm buildings contain tools and tractors. Non-commercial as I'm a "tree farmer".
Much depends on which insurance company. I had a very unpleasant experience over a fire-damaged tool claim with an Allstate independent adjuster several years ago. This time couldn't have been easier, the adjuster is an insurance co. employee.
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Today's Featured Article - Earthmaster Project Progress Just a little update on my Earthmaster......it's back from the dead! I pulled the head, and soaked the stuck valves with mystery oil overnight, re-installed the head, and bingo, the compression returned. But alas, my carb foiled me again, it would fire a second then flood out. After numerous dead ends for a replacement carb, I went to work fixing mine.I soldered new floats on the float arm, they came from an old motorcycle carb, replaced the packing on the throttle shaft with o-rings, cut new ga
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