The short answer
Auto insurance covers the vehicle, not its contents. Personal tools may be covered under homeowners/renters off-premises limit (typically $1,500) with proof of forced entry. Business tools are excluded — use an Inland Marine Tools & Equipment floater ($1,000–$50,000 limits) for full replacement cost anywhere in the US.
Frequently asked
- Does 'off-premises' cover my truck?
- Yes for personal contents, but with a percentage limit (usually 10% of contents) and the standard theft sub-limits.
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