When you got your longarm machine did you get additional homeowners insurance??

is the extra insurance for all the destruction caused when you throw things in frustration?.....lololol

I have it covered under my business insurance since I use it for the Quilter's Pantry business.

that is tooo funny

i dont have a business

no i didn't because my setup only cost $2000 and the existing policy would cover that loss.

if i spent $35,000 on a setup i certainly would have looked into it further.

Absolutely yes especially since my LA was $23,000 and my homeowners would have only covered $2,500 if something happend. Big difference there.

Be overly protective just in case,
Sherryl
Candlequilter

It may be already covered - check with your insurance agent.

Yes.

Definitely. Your agent will probably not understand your question when you tell him you want extra insurance for your sewing machine. But be persistent. I believe its called a rider on your policy. It names a specific item to be insured above and beyond your normal policy. Ive done it before for musical instruments. A policy that covers a "sewing machine" is not expecting to pay off on a $30,000 Statler!

When I asked about it, they advised me to give them a copy of the receipt so they have it on record, but, it didn't cost extra. It goes under the replacement value of your belongings, like jewerelly, cameras, etc.

Sorry...double post...obviously my fingers are moving faster than my brain this morning.

Yes we did add on a rider to our original policy. And we added an est. for fabric, attachments, etc. So if I remember right, we added a $40,000 rider. The LA was right under $25,000. We also have a rider for my DH's guns and my jewelry. Our Homeowner policy with out the rider, would only cover up to a certain dollar amt of contents of the house.

i checked with my agent- did not have to increase our insurance- but made sure it was included on the inventory list- with ALL DOCUMENTS showing the cost.
you should add to your inventory list any quilts-with documentation too- if you have a fire- the insurance will only allow you the cost of going to walmart and buying a blanket-for replacement- unless you have documentation that it is worth more than that..
when we bought our house my hubby made me sit down with our insurance agent- and go over the whole quilting (thing) with him- my investment--the (risks involved) of having other people's quilt tops in my home-for quilting--

it's a good idea- different insurance companies-and policies will have their own (answers)

Yes, I had to take a business policy out, as my homeowners wouldn't give me a rider, nor would any of the companies I called in our area.

I didn't initially, but I do now.