I had a client that built a shop on empty lot to store his building supplies, tractor, generator, etc.
No one lived there full time. Nearly everything was stolen after several breakins.
Even his hidden cameras were stolen. He thinks it was the lowlife neighbors but could not prove it.
Insurance not an option in non inhabitant building i was told. He never did move there. Sold the lot.
But i have also been told a commercial insurance policy would cover the items. I know i have one for my business, and anything i leave on a jobsite was covered less deductible. Not sure how youd set this up as an individual though.