I lost everything in a house fire in 1987. We had great insurance and we were able to rebuild and replace but just a warning: clothes and fabric were depressed out after 3 years. That meant the suede coat I had worn about 5 times and my fabric stash had no replacement value. My quilts did at whatever the cost we be to replace them as was my machine. This is fairly standard from what I understand. You may want to check with your insurance company to see if it is them same. The plus side: it gives me more reason to get those quilts done from my stash.