Reply by Dan

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Posted on home insurance

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3630 posts in 2906 days

#1 posted 06-27-2011 05:33 AM

Paul, I do insurance for a living and the replies on here pretty much nailed it. If the tools are used for a business they will more then likely NOT be covered. If your only selling items on occasion you might want to check with your agent and see what that companies policy is on that. If they are personal use tools then they are covered.

Also, it would be a good idea to take pictures of your tools and keep in safe spot. Another thing you should do is have some kind of list of what you have and what you paid for it. If you have replacement cost coverage on your contents then knowing what your spent on the tools and having the list will be important if you should ever have a fire or anything.

-- Dan - "Collector of Hand Planes"

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