This seems to vary greatly based on which insurance company you are with. I have heard of some people who only drive with the dck once or twice a month, and so their home insurance covers it. I have also heard of people who only drive the dck once or twice a week, and so all they had to do was increase their coverage to 2 million. There seems to be no hard-and-fast rule, so talk to your insurance broker or company. Don't be surprised if they're not pleased with the idea though.