He would shoot me!!!!! Just hope he never asks.

What an enlightening topic. Never thought of insuring my fabrics, and all the gadgets, books, threads, machines and furniture. Yikes!! Recently moved to a new house and hubby knew I was not really happy with the move. He made it his priority to get my sewing room set up first before he even started on the garage. (His cave) so he knows I have lots. He knows how much I spend on my hobby as he does the books; I just have to hand in the receipts. New Years day the local fabric store had 50% off everything. I came home and said look I saved $160. He just shook his head. I’ll ask him tonight about insuring my sewing room contents.

I enjoyed this thread, chuckling along until I stopped to think. The cost of one ruler X how many rulers I have; how much a pattern costs X how many I have...I have a headache now!

I told my hubby about this thread and he said "yeah, all the fabric, sewing machines, rulers, patterns.....OMG. Take pics and put in safe place."

LOL I use this "logic" ALL THE TIME on my DH when I shop! He still tells people the story of how I explained (a la I Love Lucy) how much we "saved" when doing the kitchen renovation because of the cabinet manufacturer and Home Depot messing up so bad that we didn't have to pay the $8,000 for them! He says I completely forget the other $20,000 that went into it..but I'm sticking with my saving story until the bitter end! :D

Tanesha

I'm glad i'm single. You just gave me another reason to stay that way. lol

My DH gets all my sale slips..reason we do not carry cash....I have had him track me form store to store....we girls have a day out each week....hitting the quilt stores, one LQS per week, then to Joanns, and on to Handcocks....plus our lunch stop, Olive Garden for soup and salad....sometimes we change up on the place, depending where we are when its time to eat....we are full time RV'ers so I have two compartments full of material..last year he gave me a Babylock Ellageo and this year the Babylock Audery for taking to our sewing classes....trying to fool him is not happening...he added another $15,000.00 just for my sewing stuff....and $4,000.00 for his golf equipment...I think we are equal, as I don't have to pay to be a member of a golf club + green fees each time I play.....

Being singlekdoes have it advantages but you have made me think I may need to update my insurance also.

update -- you CAN get renter's insurance if your name is not on the lease!

My insurance guy called late Friday afternoon and I'm meeting with him Monday to get renter's insurance for my quilting stuff (and probably my jewelry) -- while the bf's insurance can do everything else!

I added my new machine and fabric and the labour of making to our insurance. I also added in my vintage handmade stuff - while most of it was made by my great grandmother, grandmother, mother and best friend and is irreplacable, I wanted to be able to have something similar to hand on.
I bought him a fancy new road bike for Christmas - got it at nearly half price, my friend owns a bike shop, so he is adding that to our insurance. He doesn't try to tell me how to spend $$$. I try to make and gift things rather than stash build.

Update: I did talk to our insurance guy. We have an obscene amount of replacement cost coverage on our house. I tried to talk to him and another person about the sewing stash and machines and both said that those items were covered under the replacement cost. I believe the raplcement cost is stuff alone but I should clarify that. Quilts, sometimes, can be covered under an art writer/rider but it depends upon its age and other aspects of the quilt. Both assumed that a quilt was only worth about $100 and were shocked to hear about the prices of some quilts I've seen. Neither were quilters and did not come from a line of quilters. I really think this is an individual conversation between whoever's house is involved and the insurance people. I do know I need to call back and find out what exactly is meant /covered under replacement cost. If it's house and contents, we need to increase our coverage. He did say that pictures would be helpful - stored elsewhere, of course. I did get a writer for my jewelry but have to get my wedding ring appraised for it's replacement cost soon. Hope this helps someone. FYI: Neither could believe how many machines I own or the amount of stash I have. :)

Men in general are clueless, unless like said, come from any form of craft/art of any kind.

OMG -- I'm so embarrased! I just cleaned/organized/photographed my sewing room in order to be ready for my meeting tomorrow with the insurance guy.

I think I may have a problem. I didn't know how much I really had. And I haven't even started to do the math on how much it's all worth!! ACK!!

OMG Jetnica that even puts me to shame :shock:

LOL...well, at least your room is clean!

Very true -- i cleaned and organized for about 4 hours today -- no sewing, but i feel better about going back there.

too bad tomorrow is planned out with errands and such. :(

at least i'll be ready to sew this weekend!

Jessica, your quilt room is gorgeous!!!

So glad to see many of you are in the process (or seriously considering) of making sure your quilt supplies are covered. I later called back and added the sewing machine and other supply values plus approx. value of my quilts.

Our agent called me back on Friday and said, "The only person in the office who believed me when I told them how much quilt stuff you had was our office manager....she's a jewelry crafter!" :lol:

Too funny!
But I would be more concerned with having sufficient coverage on your quilts. You may have to provide written appraisals in order to get the true value.

My husband does not say a word about my sewing and related machines and supplies. But that is an advantage for not getting married until midlife. i work and I cover the costs. I should mAke sure that they are covered on the homeowners tho. Don't forget the big screen TVs, his tools and toys, etc. lets be honest, households accumulate stuff.

My DH had a $$$ wake up call when I was shopping for a new sewing machine 7 seven years ago.....as did I! I mentioned to him recently, that I want to upgrade it. He did not blink! He even has asked "when you " questions. Too funny!

Insurance is too important to ignore.

Sandy

We upped our content coverage to an obscene amount and lowered the house value amount. (no mortgage) Our insurance cost was reduced almost half and we have more dollar coverage then before. There are so many ways to get the most for your money but most insurance agents don't think outside the box or tell you there is a way out of the box!

Jim would not have a clue as to the dollar value of my fabric. He knows that anything I have bought in the last year is not cheap as the prices lately are approaching $13 a yard. But, I must say that he has NEVER told me that I cannot buy more. He always says, "as long as the bills are paid and there is food in the house, get whatever you want". What a guy!

What I spend for my personal needs comes out of income I've earned.

I would beg to differ on the insurance replacement value and 'worth'. If you are going to pay that higher preimum for replacement value go for it. But we see time and time again here where someone has picked up an busload of fabric from quilter's estate sales for pennies on the dollar. Once it is in our homes a stash is worth nothing to anyone but ourselves regardless of how much we've spent on it. Like knitters yarn stash. Embroiders thread stash. etc.

Do you really want them to choke to death? If not, we won't tell them how much of a stash I have. I guess I really need to up my insurance when you think about it.

My hubby has no idea how much money I have invested in my sewing room. My machine alone has a replacement value of thousands. He however has his hobby which has replacement value of thousands as well so we are even!

I'm curious as to how the rider would work. I know of a lady that has a rider for glassware but she has to list each piece separately with pictures. Since quilters are using their fabrics, adding to their stash, swapping stuff, how would that work?