We have contents insurance so if we leave say the Engel,Honda Generator,Camera ,Video,Laptop etc inside the annexe or toolbox it is covered,BUT only if you can show forceable entry.We lock the zippers on both sides of the annexe so only way in is to cut in or cut padlocks.Check your product disclosure it should actually say must show forceable entry.For the CT we use the DO35 Hitch Lock and a wheel clamp.At some stage we video our setup with what weve done and its backup for insurance claim.Might sound anal but we want to be covered.