Even if you don't include your stash you should have your machine listed on your policy , I have four Bernina's have all of them and serial numbers listed , my insurance couldn't believe someone could have four as a hobby .....$22000 worth now the stash would have to be $75,000 , and I love every cone of thread and metre of fabric but as I have worked for the past 53 years in retail and still do I don't feel guilty at all . Cathy