Originally Posted by
mkc
...........If you use it to quilt for others, in particular if you receive compensation of any kind for doing so, it's considered business use and is not covered under homeowner's insurance at all. You would need a business insurance policy for that.
It's important to keep in mind that "business" could affect many other areas of an insurance policy cost and one's coverage. Should a claim ultimately be made, if not covered properly, it could give the insurance company a good escape from the coverage one thinks they have.
We all need to be really mindful about our insurance coverage, in all aspects, way beyond the sewing perspective.