quiltmaker I think you need to talk to a different insurance co. or hang it on the wall and call it art for the appraisal because that is what it is. I think the $850.00 appraisal is more like it and that even seems low. I saw some selling a smaller quilt-top for $750.00 I can't remember who it was. It was some one who'd had her work featrured on one of the pbs. sewing shows. And the work she was selling was nice but like I said It was only the top not even quilted. I think like Tricia said to go with your gut for the price you could feel comfortable parting with it.