Often, a homeowner's policy will contain limits on property like this, but will cover a small amount, like $500 or $1,000 for trailers and mowers and such. Also, my commercial liablility policy doesn't include scheduled items like my mowers, I prefer to self-insure for those, but the declarations page does again show small coverages , $500-$1000, for equipment. Check your policies. Your outbuilding structure itself should be covered under the "other structures" portion of your policy. If it was a nice one, it would provide some cash towards replacing your mowers too, and you could just make do w/o the shed (trailer/tarp) till you could afford another one. This example shows how it's important to check your coverages regularly to make sure you're covered. I have a new Lazer Z and am buying another new wb, so I may have to up my coverage accordingly.