I try to NOT quilt where the binding will be (with, depending on how exactly you do it, will be about 1/4" - 1/2" onto the quilt top edge. The reason, it's easy enough to attach the binding strip by machine. But when you're hand turning it down onto the back, it's much easier to get the handwork done if you're not going over machine FMQ. A lot of time my stitches would show on the front, because of going over existing stitches and them holding the sandwich together so tightly, whereas when there's no stitching, it's a piece of cake to hide the binding stitches.
So even if that doesn't make sense, stop at about 1/2" from all edges and you won't be annoyed later :D