Lena1952

I lost everything in a house fire in 1987. We had great insurance and we were able to rebuild and replace but just a warning: clothes and fabric were depressed out after 3 years. That meant the suede coat I had worn about 5 times and my fabric stash had no replacement value. My quilts did at whatever the cost we be to replace them as was my machine. This is fairly standard from what I understand. You may want to check with your insurance company to see if it is them same. The plus side: it gives me more reason to get those quilts done from my stash.

KwiltyKahy

It's interesting that this thread should show up now. A house in our neighborhood exploded last weekend, debris everywhere. It caused me to think about losing my sewing room and looking for an insurance agency that will take it seriously.

BeckyBryan

I recently had a home insurance claim for a stolen sewing machine. My friend and I bought 125 anniversary Bernina 770s. Five weeks after purchase, on the way to our introductory class to learn to use our machines, someone broke into her vehicle and stole my machine. i’m certain they had no idea what they were stealing. my homeowners insurance covered the theft, after deductible (and $28 depreciation).

klswift

As a general rule, items in your house should be covered under a blanket coverage. But, you can add coverage for specific items (example certain jewelry items, equipment, etc). It is a good idea to go thru your home and take a video and pics of the rooms and their contents and keep that info in a different location. Really helps when you have to replace things. I learned from experience!!

Onebyone

I called the insurance company and asked if I had sewing machine worth over $10,000 was it covered in my policy. The answer was yes minus the deductible. Everything is covered at today's replacement of the same item, not newer one, after the deduction. So my stash of years old fabric would be worth very little if anything at all. Gives me good reason to use it or give it away to those that will.

QuiltE

A thought for any contacting their insurance companies .....

..... Be sure to state the values of your machines or whatever you are inquiring about.

For a non-sewer/quilter, hearing the word sewing machine,
they may think of the value as a few hundred dollars,
with no concept as to the true investments we have made.

Onebyone

I had to show an ex agent the ads for the high end sewing machines. He couldn't believe it.

rjwilder

We recently changed insurance companies, the new agent is a quilter. I mentioned my machines and all the stuff in my sewing room. She said the personal property replacement cost is something most homeowners don't pay much attention to. Therefore they are underinsured for all their belongings including sewing machines, other hobby equipment like golf clubs and don't put enough value on furniture and clothing. It was an eye opener, we are involved in a lot of sports and they are require expensive equipment, footwear, clothing, etc. We never even thought about all my husbands tools and and all the other "man" toys in the garage. It was an eye opening meeting, we took an inventory and were shocked at all the stuff we have.

giquilt

Just last month I checked with my Insurance. They will replace what I have because I have replacement and it is less than $5,000. But they did ask if I carry my machine around. It would not be replaced under homeowners, it is not in the home. The cost for a specific replacement up to $10,000 was less than $10 per year.

nightquilter

I have a studio policy(for another business) on my place. Maybe this would be what you need. My is not expensive at all. But if you have a lot of quilts they will want to insure them, along with the machines.