I shipped a quilt to my grandson yesterday and asked the clerk to insure it. She said that I would have to prove the materials I had purchased if there was a claim. There is no value to the love that went into that quilt but I did ask for $100 policy. Right now I'm making a queen-sized Farmer's wife for my oldest sons 25th wedding anniversary in May. Again, no value can be placed on the hours spent...it makes the fabric inconsequential. I do try to buy only what fits with what I'm working on and get what I really want without too much consideration of the price.