I have a rider on my Homemowners policy for all of my quilting "stuff". When I dicussed this with my agent his first reaction was "of course....how much could you have". When I went on to describe the value he then said "this I have to see". So once he saw it it still was a bit ..undervaluing till I pulled out a yard from the stach and said "each one of these is worth about 9- 10 dollars" ... he did a quick estimate of one of the many shelves ... and said "yep you should have a rider". He then took photos.
Incidently the total replacement value of everything was over 30 thousand dollars.... so if you are not sure call your agent and make sure they understand the real value.
It would be impossible to recover and have the fabric/machines/notions assets if it were not insured. No way I could come up with that kind of cash for all the "stuff".
Note: this did not cover the finished quilts. that was sufficiently covered in the base policy.