I just e-mailed my insurance person. She said that I have "replacement value" on my insurance after my deductible. She also recommended I take pictures of everything, put them on a CD and put them in my little safe. She also thought it a good idea if I could give a rough estimate of the amount of fabric (in yards) and put that with the CD and any receipts I have (which is none as I buy my machines from previous owners). But I can put the user's manuals in the safe also. So, sounds like a busy weekend with the camera.