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Insuring Quilts

Old 07-21-2010, 10:34 AM
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laurieaaron's Avatar
Join Date: Jul 2010
Location: Wisconsin
Posts: 18

Is anyone aware of another way to insure quilts besides adding them to your homeowners insurance? Thank you.

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Old 07-21-2010, 11:15 AM
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Join Date: Aug 2009
Location: Union, Missouri
Posts: 1,542

An insurance agent I am not, but if you are talking about antique quilts can't you insure them like you would insure any other antique? I assume you would have to have it apraised, and then talk to the insurance co. about it from there.

Bad thing is Insurance Companies can not insure sentimental value.
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Old 07-21-2010, 07:25 PM
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Join Date: May 2010
Location: Iowa
Posts: 288

We just talked about this the other night at our quilter's guild. It must be appraised by a certified quilt appraiser, you get a certificate and take to your insurer.
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Old 07-22-2010, 04:24 AM
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Join Date: Feb 2009
Location: Northern Michigan
Posts: 12,610

my insurance agent told me to make sure i had a written appraisal for my quilt then it will be covered, but if you just claim a quilt after a loss with no appraisal they will only allow what ever the policy limits are for bedding, figuring you could go to JC PENNY"S and replace it...most only allow up to $50 so, if you have a nice (expensive) quilt you need that appraisal! if you have a number of them you can take in your appraisals and insure them separatly but most homeowner/renter content policies are adaquate coverage as long as you have the documentation to prove your claim
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