Wow, great question. I think you would have a very hard time getting a reimbursement for a damaged quilt from your insurance company. One thing that would definitely help would be an appraisal from a company specializing in quilts. But, I had a shipping business for 29 years and when folks would insure their packages I would always explain that they would have to offer very specific proof for high value items. And, the insurance company will be very stringent about the handling of the item. Folks just don't realize the time (hence cost) put into making a quilt - only the fabrics.