When I finnish a queen size quilt what should the dimensions be. I have a chart that says 84 x 92 but I
think my grand daughter is expecting it to be more like
90 x 100. What rule do you use. All the patterns are
not the same dimensions. I usually add another border
to be just a bit bigger.

Right now I am working on a queen quilt - I measured the mattress and decided how much of a "hang over" and that gave me the size. As it turns out, this quilt will be 89.5" x 98".

Good place to start.

Also need to decide if the pillows are going to go under the quilt or or be left on top of the quilt.

Yes, it depends on the mattress size and how much hang over you want. Mattresses today are so much thicker than they used to be. Makes it hard to use the charts that are available.

Also factor in the shrinkage factor. I made two bed sized quilts over the past 2 years and am afraid to wash them. They fit perfectly now, but I did not consider the shrinkage!

If I was measuring I would check the top sheet label for a queen bed.

A bit bigger is always better. My husband is 6'5" and steals the quilt/sheets etc. The typical queen sized quilt is a bit too small in our circumstance. Some mattresses are also thicker/higher than others. I vote for the 90x100 (generous sized quilt)

I am sure you will get many varied answers, but truth be told...find out what batting you want to use and go by their sizing!!!

....

i follow eleanor burns QIAD sizes. somewhat, in her books. but any given size can be square, or long, etc.

90 x 100 is almost king size.