home insurance for the diy ?

[gc123]

just a question, can you get seperate insurance for tools and tool boxes in your garage. when i was in the trade i just insured my workshop with trade insurance, but now im retired im at home so the tools etc are here with me.
i know that if the unforseen happened i would likely be short on monies to replace much of them.
i had a customer who was telling me that when his home was burgled (whilst away) the insurance paid for majority of household items ,but the garage he got paid out on virtually one of everything.
ie 1 spade
1 shovel
1 rake etc and he lost a lot of power and garden tools.
i look at my snap on cabinets and my de walt tools and think , byebye if anything was to happen. do you guys bother or just hope it doesnt happen?

 

[gc123]

large
detached double garage

or are you saying look for shed or outbuilding insurance?

 

[gc123]

ill check tomorrow but i have a full set of snap on tool cabinets that i dont think normal houshold would cover but thanks anyway

 

[gc123]

Pretty sure you can list extraordinary items separately. Of course you'll need to have proof of purchase/ownership too.

If you haven't already you'll be wise to mark them all up with those invisible marker pens too.

I would definitely look into it if you have a large amount, theft is on the rise and it's not being investigated.

will do thanks all

 

[gc123]

aye these are plated and bolted to the walls so they would have to virtually destroy them to remove but they would probably still try.
have spoken to insurance today and normal policy wont touch them and when i mentioned cordless tools , they started talking about value limits and photos etc.
looks like i will have to start ringing around looking for specialists or look at trade policies again ((( not keen on that.

maybe insurances way of saying start to downsize grrrrrrrrrr

 

[gc123]

well auto renewal was tonight , had to cancel it so scrabbling around last minute again for insurance. must have checked around 30 companies and to be honest , level of cover is pathetic. 1500 to 5 grand seems the norm for cover of garage contents.
even nfu only offered 10k and there policy was just under 900 quid. tried adrian flux and got 1750 as a premium thats after a hour on the phone.....
aa seem to be working out better around 600 quid premium and a 60/40 split on contents insurance house to garage.
the hunt goes on grrrrrrrrrrrr

 

[gc123]

well in conclusion we went with nfu. they allowed us to taylor make our contents cover for the garage. got the cabinets covered and all power/cordless tools and everything else. not cheap but better than everyone else we contacted.
one thing i learned was garage/outbuilding insurance from the majority of companies and brokers seem to only cover between 1500 and 5000 pounds.
you get a good quote ,then look into the small print and bam very low coverage. in the end policy with extras under 900 and 30k coverage in garage so happier .....till next year lol and start again no doubt.
other option is sell up everything and just have one of each garden tools a basic tool box and basic cordless tools, (reason when stipulating dewalt tools some companies went with oh you must be business due to having those type,)
if anyone finds a seperate contents insurance for garage tools please post it as in the end we got totally fed up with it.
thanks to all suggestions.