Insurance of shop and tools.

inkjunkie said
My agent said pictures will suffice for tools. Parts...not covered by home owners. Neither are cars in any way. I'm sure a certain someone is going to drop by and say how wrong I am...to this I will ask them if they would like my agents number?

Your policy may not be the same as everybody else's. Most agents will customize the policy based on your needs.

As far as coverage for things like tools and equipment, I have an " inland marine" policy which works for me. AFAK, never had to use it!