In my case ... my agent said that it would be covered under my general home policy. However, if there should be a loss, the total value could add up fast, considering everything in one's home and may not be enough to cover a everything lost. Thus, higher cost/value items (not just sewing stuff) are better named specifically, along with proof of cost/value. In essence, giving coverage over and beyond the general home policy value.
Also, important to discuss re different types of losses ... fire, flood, electrical, theft etc. ... and the coverage one would have.
Another thing to consider ... if you are taking your machine(s) away from home, whether travelling for holidays or to a sewing day(s) locally or at a distance, you may need insurance coverage specifically to cover machines, equipment and tools as your home policy may not cover these items once they are removed from the home.
Make sure that your agent understands the values of your machines, as s/he may have no clue how much today's machines can cost.
Like others have said, check with your agent re your specific policy.
Also, I have no idea about your USA vs. our Canadian insurance.
All that being said, it's always hard to find that fine line between being well-insured vs. being over-covered. Sometimes it's hard to weigh the value and importance of coverage at a higher level vs. being willing to take a bit more risk themselves. You need to have that "argument" with yourself as to what you are willing to pay and/or risk.
Honestly, it's a self-argument I have regularly regarding my own insurance.
I never feel I win, no matter which way I go!
