NZQuilter ... only your insurance agent can help you sort that out. There is such a wide variation as to the wordings of insurance policies and what they cover now, that you just can't go with what others say. Too, two people can be with the same insurance company and have two totally different coverages within their homeowners policies.
Taking this a step further ... your agent/broker may tell you one thing, and may not have the right understanding. So, ask them for something in writing directly from the insurance company. Then keep it with your documents.
Be sure to check re different aspects ... malicious damage, fire, electrical, floods, theft (not so likely for LA, but definitely for our more portable machines) etc.
For All ... Our "regular" machines are so pricey now, that we all need to check on their coverages. With so many of us taking machines to retreats, one-day sews, and such, your insurance coverage and needs while away from home may change, so best to check on that too.