yea all r possesion are covered so is the structual. theres a agent on the way now. we have insurance but it doesnt cover the fact the sentimental value of everything. my one rc truck was 400 brand new i easily put a grand into it.i raced that truck every sunday with my father. and it is one big ball. the tools i dont care about. everything thats not in my box at work is craftsman or used mac stuff. accept my 300 dollar dvom but i dont use that one much. my 700 dollar pile of shit craftsman box leans horribly lol. oh well i am extremly thankful it didnt strike the house my sister and my nieces were home and i dont even wanna think about what could of happend. theres a pretty sweet burnoput mark from my garage to where i parked the mustang.