I’m not an insurance agent, but this is a thought. If your insurance is covered by your homeowners policy, is the amount your machines are worth taking away a large chunk of replacement of other possessions? Let’s say you have $200,000 in homeowners coverage, and your LA and a nice sewing machines are worth $30-40K. Your house (gawd forbid) burns to the ground. If your homeowners policy covers your machines at full replacement value, that’s taking off $30-40K towards the replacement of everything else in your house. That’s a big chunk of change. Could you replace all of your other possessions for $160-170K? Do you need to increase the amount of your homeowners policy? Or would a separate rider on your policy be better?