If you check to see what the coverage is for household goods, its a percentage of the house value. Start adding up how much you have in machines, fabrics, tools, etc. and you'll find out it pretty much takes the entire amount. I have at least $50,000 in just machines and we haven't even gotten to the fabrics. Also my sewing room is in the basement so glad someone mentioned there is a limit to basement damage and I've already had 2 leaks/floods down there from spring rains and a broken water pipe. Thank goodness no damage to my fabrics or machines.