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 - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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