Remember that in order to collect on an insurance claim, you must have proof of value. In the case of a quilt that you made, that would mean sales receipts for the materials used, an appraisal from a certified appraiser, or, if shipping to a buyer, a copy of the invoice. Absent any proof, you'll usually get around $100.
Here are two good articles on shipping, the first is quilt specific, the second covers art in general.
http://www.quiltershomemag.com/artic...hip_your_quilt
http://www.surfacedesign.org/newsblo...g-your-artwork