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Thread: Sewing Machine Insurance??

  1. #11
    Member
    Join Date
    Sep 2011
    Location
    Texas
    Posts
    54
    Yes I have insurance on my Bernina, Longarm.
    Billy Jean

  2. #12
    Super Member
    Join Date
    Mar 2011
    Location
    Mechanicsville, IA
    Posts
    1,428
    If you are going to quilt for other people, it's better to set up an LLC., collect the sales tax and send it in. 1) you can carry your own liability ins. This way if someone comes to our home & gets hurt they can't take the farm. Also all the equipment & customer quilts can be covered under it too. Just remember customer quilts can only be covered for the cost of fabrics in it, not the time and labor.
    Cheryl Robinson
    http://www.silverneedlestitching.com
    APQS Millenium Longarm with Intelliquilter

  3. #13
    Super Member miss_ticky2's Avatar
    Join Date
    May 2010
    Location
    Gold Coast, Australia
    Posts
    2,051
    I listed mine on our insurance..its the most expensive thing in our house too..lol. It's covered at home and if I take it out..like for a service or lessons
    Blessings from Janice

  4. #14
    Member
    Join Date
    Apr 2015
    Posts
    1
    I just gave a woman a quote for $25,000 of machines in FL with a $1000 ded it was $500. plus taxes and fees. While some insurance companies will let you add the machines to your homeowners you have to watch out that they don't have a limit on the coverage. It would be terrible to think your $16,000 machine was covered only to find out that your policy has a $2500 limit for any one item. Read your policies. Thx Insurance Gal

  5. #15
    Senior Member Snooze2978's Avatar
    Join Date
    Sep 2011
    Location
    Carroll, Iowa
    Posts
    768
    If you check to see what the coverage is for household goods, its a percentage of the house value. Start adding up how much you have in machines, fabrics, tools, etc. and you'll find out it pretty much takes the entire amount. I have at least $50,000 in just machines and we haven't even gotten to the fabrics. Also my sewing room is in the basement so glad someone mentioned there is a limit to basement damage and I've already had 2 leaks/floods down there from spring rains and a broken water pipe. Thank goodness no damage to my fabrics or machines.
    Suz in Iowa
    Designer 1, Babylock Ellegante
    Babylock Evolve, Elna 945
    Innova 26" LS, MQR
    ProQ Designer, EQ7, Embird

  6. #16
    Super Member
    Join Date
    Jul 2007
    Location
    central Indiana
    Posts
    1,147
    Yes, I do have my Ruby insured!

  7. #17
    Junior Member Nettie's Avatar
    Join Date
    Mar 2010
    Location
    Pennsylvania
    Posts
    141
    I tried to get a separate policy on my long arm since it was in the basement of our last house. I was always afraid of water damage either from the upstairs or something downstairs. I couldn't get a separate one like you can for guns and jewelry. I don't think my agent is aware how expensive these things are although I did inform her of the cost.
    Live Well, Laugh Often, Love Much

  8. #18
    Super Member ManiacQuilter2's Avatar
    Join Date
    Jun 2011
    Location
    Southern California
    Posts
    9,031
    I certainly would check into it especially if you have an expensive DSM or LAQ.
    A Good Friend, like an old quilt, is both a Treasure and a Comfort

  9. #19
    Super Member Onebyone's Avatar
    Join Date
    Jan 2011
    Posts
    3,574
    We upped our contents coverage to more then what it would take to replace everything brand new. It was cheaper then having additional coverage on separate items like tools, guns, jewelry, sewing machines etc. Everything we have is replaceable so I don't want a rider to cover one specific group of items. I want to know why I can buy a $40 printer at Walmart and can buy a buyer protection coverage for it but not for my expensive sewing machine?
    I love my life!

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