The last quilt I had appraised was for $1200 and I know many quilters who would never assign such a price to their quilt. When lost, stolen or destroyed, their insurance would never come close to that amount without an appraisal. Newlyweds do not always have the extra money for an appraisal and MAY appreciate this being part of the gift. When I sell quilts the appraisal is a huge help in determining a price and value to the buyer. At least that is how I look at it!