We recently changed insurance companies, the new agent is a quilter. I mentioned my machines and all the stuff in my sewing room. She said the personal property replacement cost is something most homeowners don't pay much attention to. Therefore they are underinsured for all their belongings including sewing machines, other hobby equipment like golf clubs and don't put enough value on furniture and clothing. It was an eye opener, we are involved in a lot of sports and they are require expensive equipment, footwear, clothing, etc. We never even thought about all my husbands tools and and all the other "man" toys in the garage. It was an eye opening meeting, we took an inventory and were shocked at all the stuff we have.