this is a plan i have followed for many yrs. A vid and stills of all the tools in the shop, the large z-turn mower, and any/all other powered lawn/garden tools i have.
In the fwiw dept: I have been advised by my home owners agent, that only misc household tools are covered. All the major tools, welders, sheetmetal brake, etc, would have to be covered by a separate policy! [at a premium of more than the total home owners policy cost!]
he also advised me that my car would not be covered in event of fire, unless they were in an "inoperable state"..ie: Disassembled. They run, the coverage is in the auto policy.