Can Tools Or Valuable Property Stored In An Adjacent Structure Be Scheduled On Your Homeowners Policy?

Contents coverage wouldn’t apply because the adjacent structure doesn’t share the same foundation as the dwelling. If not scheduled, tools would be subject to deductible. If scheduled, not subject to deductible with broader coverage. How do you respond to a customer who has thousands of dollars in tools in a shop separate from foundation of dwelling that uses them for hobby only as opposed to business purposes? Also, what coverage applies to tools if removed from premises to do work in woods/ friends house/ etc.?

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