I went through this exact thing last night with our insurance rep. I have a small apartment with a little closet to keep my stash in, so needless to say, fabric wise 100.00 is probably accurate. It was explaining the machine I got on clearance was worth 800.00 that got my DH's jaw dropping. Then the agent himself had no idea, so I started explaining how much I had put into the fabric, batting and notions into a queen I had just finished. Hubby was not happy, but it was his quilt so what can he say?!?!