my insurance agent told me to make sure i had a written appraisal for my quilt then it will be covered, but if you just claim a quilt after a loss with no appraisal they will only allow what ever the policy limits are for bedding, figuring you could go to JC PENNY"S and replace it...most only allow up to $50 so, if you have a nice (expensive) quilt you need that appraisal! if you have a number of them you can take in your appraisals and insure them separatly but most homeowner/renter content policies are adaquate coverage as long as you have the documentation to prove your claim