Many carriers will allow for scheduled BPP (Business Personal Property) on the homeowners policy. If truly used for personal use, they should be covered under the Personal property Section on a named peril basis (check the form). If taken off-premises they may be covered for theft if you do not have the Off-Premises theft exclusionary endorsement on the policy (of course subject to the policy deductible). Otherwise there is worldwide coverage on contents on a named peril basis if you do not add the Special Form to PP (some companies will limit this to a % or total coverage). Please realize this is all assuming an ISO form written on a standard HO-3 in NY. Hope this helps.