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If you use your tools for hobbies or home repair, and aren't paid for projects you use your tools on, you can get coverage through your homeowners or renters insurance. Insurance for inexpensive tools. And it likely won't cover losing your tools or accidentally breaking them. Insurance for expensive tools.
Contractors Tool/equipment insurance covers your hand tools, power tools, and other daily tools from theft, vandalism, and physical damage, except for general ware and tear. Contractor's tool/equipment coverage covers all your tools/equipment regardless of where you might be keeping them.
If you use your tools for hobbies or home repair, and aren't paid for projects you use your tools on, you can get coverage through your homeowners or renters insurance. Insurance for inexpensive tools. But most policies have a per-item limit, so tools over $1,000 may need additional coverage.
Basically, heavy equipment insurance is covered under an Inland Marine policy that provides protection to loaders, cranes, and other heavy equipment that is often used in construction and during other tasks.
Tools and equipment insurance protects against lost tools, stolen tools, and damaged tools. If your tools are stolen out of your truck or off of a job site, go missing after you've loaned them to a crew member, or get damaged by vandals, tools and equipment policies are designed to cover it.
The Cost. Go Get Tools Insurance costs from as little as $17.58 per month or $211 per annum, including GST.
You can either protect your tools as part of your van insurance or as an added extra to your policy. This means that you'll be protected if they're stolen, but also if they get damaged in an accident. Never underestimate the value of your tools though.
You can either protect your tools as part of your van insurance or as an added extra to your policy. This means that you'll be protected if they're stolen, but also if they get damaged in an accident.
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