I've been making quilts for about 35 years and never once did I think of trying to put a 'price' on my hard work when I give it away. This is a novel idea, about the insurance value, I guess I'm a bit behind the times, I don't have any of the ones I've kept insured either. Although I have taken pictures of our entire home and belongings and cataloged everything for our home owners insurance, its all on a CD in our saftey deposit box at the credit union. BUT...I don't believe I even thought about the value of the quilts.....hmmmmmmmm....thank you so much for the thought provoking idea.