Insurance????????

Looking for an opinion/help. My layout has been in place for a little over 2 years, outside in the weather with no problems. Although I bring my locomotives inside most of the time, the rest of my equip remains outside. My tracks run under the house therefore parking out of the weather is not a problem. Recently a new family moved in next door. I have caught thier kids in my yard several time. They have succeded in tearing up a few things and cutting my childrens trampoline. They have been asked not to come over of course but it doesn't seem to help. They know the train is there. They have asked to see it run. It is way too much trouble to bring in the rolling stock after every use. Even if I did bring them in, the track and structures are still there. I guess I need some type of insurance. I called my insurance office and they said that my homeowners may not cover. Is there some type of policy avalible for my trains. How and where do I find it. Does it cover neighborhood brats./DesktopModules/NTForums/themes/mls/emoticons/cry.gif I am almost ready to get a Pitbull!!!!!!!!
If anyone has this already, are you happy with the coverage? What are your opinions about this problem???

Thanks
Jeff
Tallapoosa and Southern