In Michigan where I live......My equipment is covered on my property.
If I tow my pit to my sons house and gets stolen It is not covered.
I have a separate policy on my big mobile Klose pit. Couple hundred dollars a year and I am good to go. I too am not an insurance agent.
I would call your local agent and talk to them.
You have never really lived until you have done something for someone who can never repay you.
KC I miss your advice.
Heavily medicated for your protection.
Klose Mobile Pit
Klose Owners Reccomended Pit
Little Chief Smoker
Gifted to me my Pit Barrel Smoker