Go Back  Quiltingboard Forums > Main
Are your machines insured >

Are your machines insured

Are your machines insured

Old 05-20-2019, 02:04 AM
Senior Member
Thread Starter
Join Date: Dec 2016
Location: Upstate SC
Posts: 648
Default Are your machines insured

Reading on another site about a woman whose sewing room caught on fire and she lost her Husqvarna Diamond machine. Fire was started by defective power strip. Evidently it was caught early and the sewing room was the only damaged room in the home. She had insurance on her machine and it was covered.
Got me to thinking about my machines, which to replace just them with new would cost close to if not over $20,000. Not being eager to contact my homeowners policy to inquire about an add on rider, wondered what if anything any of you have done to insure your machines. Let's not even get into the furniture, stash, and all accompanying notions, patterns, and other necessities we need.
Just curious if anyone else had a sewing room disaster or any kind of disaster where your homeowners insurance paid for the specific loss of these things.
Murphy224 is offline  
Old 05-20-2019, 02:20 AM
Super Member
Join Date: Jan 2012
Posts: 4,782

Knock on wood---no experience, no special insurance, not even for the quilts and tops, but now you have me scared.
JustAbitCrazy is offline  
Old 05-20-2019, 02:21 AM
Super Member
Join Date: Oct 2010
Location: Round Rock, TX
Posts: 2,148

My friend's house was hit by a power outage one year due to heavy rain storms. Her insurance covered her machine. This was like 3 years ago that this happened if I not mistaken.
goldsberry921 is offline  
Old 05-20-2019, 02:37 AM
Super Member
Join Date: Nov 2011
Location: Southern Minnesota
Posts: 4,356

I guess I'm insurance dumb, but doesn't a general homeowner's policy cover up to a certain $ amount of personal property in the home?
liking quilting is offline  
Old 05-20-2019, 03:28 AM
Super Member
Join Date: Oct 2015
Location: Va.
Posts: 5,286

I’ve had some of my quilts appraised, but not added a special rider onto my homeowner’s policy. Some insurers suggest taking a video walk through of your house showing the contents. If you’ve got expensive machines like a longarm, embroidery or high end domestic machine you might want to look into adding additional coverage. Also get any special quilts appraised and keep the appraisal in a fire safe location.
rryder is offline  
Old 05-20-2019, 03:28 AM
Super Member
jmoore's Avatar
Join Date: Feb 2011
Location: Boothbay Maine
Posts: 9,479

When my new LA machine showed up earlier this year, the first thing I did was called my insurance company to make sure my homeowners policy covered my sewing machines...and yes, I’m safe but hope I never need to use it.
jmoore is offline  
Old 05-20-2019, 05:27 AM
Power Poster
Join Date: Jan 2011
Location: Southern USA
Posts: 14,268

I don't have any machine worth more then my deductible which is $5000. My stash is covered under contents for fire, water, theft, etc. Insurance has changed a lot over the last years. We customized our policy to cover exactly what and for how much. Agents differ too. Two agents from the same company told us two different things. We bought our policy from a broker not an agent of the insurance company.
Onebyone is offline  
Old 05-20-2019, 05:42 AM
Super Member
Join Date: May 2017
Location: Sunny Florida
Posts: 4,126

My machines are covered under contents. Be sure to list the model and serial numbers of your machines. I keep lists of machine feet, rulers, stabilizers and thread inventories. Embroidery designs are kept on master excel sheets by vendors.
Rhonda K is offline  
Old 05-20-2019, 05:43 AM
Super Member
Join Date: Jul 2013
Location: Houston, TX
Posts: 8,194

I'm not sure why you wouldn't just contact your agent and talk to him/her. That's what they are there for. It's always a good idea to have any big ticket items listed and insured separately. However, be aware that just having them insured doesn't meant you will get the enough to replace the machine unless you have them insured for replacement value.

Rob's advice is exactly what I was told by an estate appraiser. Have pictures and documentation on anything big items. There is a cap on what your can receive for the contents of your home. It sounds like a lot of money when you are reading the policy, but if you had to start replacing everything in your home that $50,000 isn't going to go that far.
cashs_mom is online now  
Old 05-20-2019, 06:06 AM
Super Member
KalamaQuilts's Avatar
Join Date: May 2011
Location: SW Washington USA
Posts: 3,845

Mine would be covered under our homeowners and our policy covers replacement value on everything. I don't own anything that would require a rider, wouldn't replace even half of what I have if it came to that. We have a 5K deductible.
KalamaQuilts is offline  
Related Topics
Thread Starter
Last Post
Links and Resources
10-26-2011 03:48 AM
Links and Resources
10-15-2010 06:00 PM
General Chit-Chat (non-quilting talk)
02-09-2010 05:36 PM

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

FREE Quilting Newsletter