According to the dealer/teacher where I bought my machine her insurance person told her she had to have a rider to make sure it and even the software was covered. I haven't gotten around to doing that yet only due to financial reasons but hopefully next yr I'll do it. You should also keep an estimated cost of fabric,etc of whats in your room including fabric and thread for the claim. No one who isn't familiar with sewing/quilting/embroidery would ever realize the cost that is in there and when its gone its hard to remember everything.