Marknfran, I know what you mean about Insurance, it's a must for everyone but especially for anybody with an expensive hobby that quilting is :!: In this topic
http://www.quiltingboard.com/t-87346-1.htm I bought it up, the topic was very funny but there was a serious point.
In reading it I added up my spending on quilting since I started nigh on 6 years ago and it added up to over a staggering £7000/$10000 and I don't suppose it's much less now. If anything happened I could never ever replace these items quickly which would cause me a lot of distress as my quilting keeps me sane.
I spoke at great length to my Home Contents insurer and decided, at no great extra cost, to add "Accidental Insurance" which covers me, my dog and visitors accidents, I have also have my machine covered for when it take it to classes.
Even without us taking in our fabric stash, which runs into £/$100s if not £/$1000st the cost of the notions tools and machines would make sensible Insurance cover a necessity IMO.