check with your insurance agent. Ours does a 'check-up' with us about every couple of years and I specifically asked about this at the last one because I was concerned about the long arm in particular. It's all covered under our contents part of home insurance. We also talked about whether I needed business coverage since I do some quilting for others--he said that unless they are coming to my house (not) in which case I'd need it in case someone fell; or if I had a large quantity of business inventory, that for what I do the homeowners was fine.