Originally Posted by
maryb119
My homeowner's insurance agent asked for an estimate of my sewing supplies, machines and fabrics for replacement value. He also said to take lots of pictures of the things I have and store them on a computer or thumb drive. Insurance companies don't like to pay you for what it's worth. Also, he suggested I have each of my quilts appraised. Insurance companies will pay about $30 to $40 per 'blanket' for replacement costs. He said an inventory would be a good idea for this reason.
Our insurance broker suggested we raise our content amount instead of listing everything replaceable that could be. When we had an agent he never would do what was best for us but best for him. He didn't lie but just didn't reveal the options. A broker saved us lots of money on insurance. He didn't care what insurance company we choose.