I had replacement value on my contence. Which I made higher than the house value. But when I had a fire,contained to the kitchen, The smoke damage was everywhere. I was told I had too much. I must be a business. The 18 finished baby quilts in the den were runird, but not covered. The one saving grace was that my stash in my sewing room was not damaged. The other 3 bedrooms were. Why? I closed the door to keep the cats out. So good luck trying to cover your stash. I was told I could not cover "a business" in my homeowner ins. But do keep the door shut when not in rooms upstairs or down the hallways. Makes a huge difference!