Originally Posted by
Murphy224
Don't want to put a damper on anyone, but I wonder how my homeowners insurance would pay up in case of some catastrophe struck? I do track all my monthly expenses and have for years. Started one year when I kinda did a" how much in how much out" talley. Could not account for over $8000! That bothered me a great deal, so I made a spreadsheet in Excel and just enter things as they happen. No big deal. That being said, while I have listed all my purchases and the amounts over the years, I have not added them all up.
I own 4 machines and do know they cost a total of about $14000. A significant amount if I had to replace them. That does not include the fabric, thread, tools, notions, etc that would have to be replaced.
I think I need to talk to my insurance person about this. Do I need a special add-on for this? Maybe increase my amount of coverage. And I am retired living on that "fixed income" and no husband to help me out.
Kinda wished I had skipped this thread.....lol
Once the DH knee replacement has healed, we plan to meet with insurance agent about our home owner's coverage and this is something that we plan to ask about. Not so much the fabrics as let's face it, even if the house burnt down I'm not running out to replace my stash but would grow it much like I did. But about the 5 DSM, commercial machine and long arm that I own. Plus, as I quilt for others I'm wanting to up my liability coverage on that, too. No fun paying for all that, but when we had a 3 car garage/shop hit by mini-tornado 3 years ago, we were so glad that our insurance was solid and no hassle.