I had one of my quilts appraised and then added a rider to my homeowners insurance for it. This quilt showed in 3 AQS shows and was shipped each time. I insured it when I shipped and to be able to insure it for what it is worth, I had to have an appraisal. My insurance agent was amazed at how much a quilt was worth. He had no idea the value of one. He told me the insurance company would allow about $30 for each quilt if one was damaged. We all know that would never begin to replace them.