My shop (well one of them) is in the basement and covered by homeowners insurance, but even if my tools were stored off premises, they are still covered. I know this because I had some stored at the sawmill when it burned in 1970. I got a new Atlas lathe out of that one, but I preferred the old one as it was sturdier (10 inch instead of 12") I don't know what the situation would be concerning the tools and machinery (Newbie locomotive included) that is in the back shop, but think it would be covered also. REDNECK Tennesseean I was reading elsewhere about the problems with insurance for the workshop and all the tools and equipment therein. I know that my insurance company wont cover it, and apparently neither will some others. What does everyone do about insuring their workshops and contents? Alan Stepney MODEL ENGINEERING DISCUSSION LIST. To UNSUBSCRIBE from this list, send a blank email to, modeleng-request@xxxxxxxxxxxxx with the word "unsubscribe" in the subject line.