They should realize that you can't put a value on a quilt. A quilt made especially from you is priceless. I would give them the monetary figures and tell them that you aren't just telling them what it cost as it is worth way more than cost as It can never really be replaced. Tell them you aren't telling them the price to be snoody tell them it needs a replacement value for insurance purposes. It should become priceless to them. The Love and feelings that went into the quilt can never be replaced!!!!!!!