My friend just had her condo destroyed by a hot water leak from the second floor. Furniture, art work, old books, new books, carpet, family photos all were ruined. She's had to itemize all her losses to get reimbursed and it's been a NIGHTMARE!! So don't underestimate the value of your stash - and YES - include machine cost to replace, LA cost ro replace,scissors, patterns etc. If something awful happens, you'll NEED that information!