May I make a suggestion. I have had several insurance companies over the last 45 years and I have had rather large shops. They contain both metal working tools and woodworking, lots of them. On advice of an agent way back in the 70's I requested from each insurance company whenever I changed companies a letter from them stating the coverage. I supplied documentation to them ie photos of the shop, equipment, and stuff I built. I got various responses, but they were in writing on company stationary. One company said they would honor whatever the insurance agent stated, I got the insurance agent to put his coverage explanation in writing. The most recent was a combination, the items they would not cover, the items covered under my insurance policy and what sections. My personal documentation of conversations is not worth much, the documentation must be at least co-signed with the agent. If it is not in writing from the insurance company, either clearly in your policy or from the agent in writing it is not covered. I also got a letter one year after I had been with a company for about 15 years explaining that they would no longer cover certain items that I owned. That was after going through several agents so they clearly still had the letter they sent to me originally. The point is make the question of what is covered very specific with documentation, not general ie is my shop covered. If they will not document specific coverage questions in some fashion find another company. Dollar amount limits can then easily be determined and insurance increased if deemed necessary. I strongly recommend video or photo documentation of every tool, cabinet/drawer contents, shelf's, etc. update about every two years.