Between dfs garage, gun collection and other expensive items we have an insurance policy that covers everything. We pay out the wazoo but when your talking 30k in small tools, and over 500k in large tools and classic cars and parts, a couple grand in guns and ammo (don't worry all locked up in a fire proof safe in the basement) and then all my sewing stuff and electronics we have a huge policy. We needed to make sure if anything happened we could rebuild and replace everything.