melindac

The answer I've gotten from several companies is - is this an item an average home has. If you have embroidery machines, quilting machines, software to operate these machines the answer would be not likely. Don't be fooled about you not needing insurance if you aren't running a business. If the agent insists you would be covered make sure you have it in writing. Just my embroidery machine and serger are over $9,000 and that's not including software, and it's purely my hobby.

Good luck.

Melinda C.

Stitchit123

OH Yes I do- $ 20,000 - the agent thinks it should be more - just on the machines -and I don't even have a long arm. And he only seen about 1/3rd of my fabric. And after my 1st visit to a JoAnn's- in over 3 yrs- he is right that 20thou won't replace the third he seen and none of my machines. So I will be upping my rider. My older brother lives with me and to quote him ''Your fabric is worth more then everything else in the house including my car'' Get it insured and take into consideration that the $12 yd will be $18 by the first half of 2014.

LilaKay

We had a fire last Oct. I lost 3 sewing/embroidery machines, all my thread and my stash of quilting cottons, interfacing, patterns and tools etc. Our homeowners, State Farm, was more than fair. I was very happy with the pay off

oldtnquiltinglady

Oh, how sad, LilaKay. I have been reading over this entry on today's forum, and feeling aggravated at the way insurance companies react to customer's prize possessions--they just don't want any headaches in case the home owner should be required to file a claim. We can't even get our agent to come out and look at my stuff--and we live in one of the poorest counties in TN--who is going to believe that ONE of my machines was nearly 20K, and I have about forty--of course, most of them are antiques; but I do have TOL sewing machines too. So, besides being devastated should we lose it all (perish the thought); being reimbursed for it can never happen with the way the insurance company has your hands tied. I hate this thought. Hate, hate, hate it. So, we do the best we can by buying the insurance as recommended and go to church every Sunday......

QultingaddictUK

I have a home contents insurance and on my policy I added a "Accidental Damage" cover, worth every penny of the small amount per year as my policy does replace new for old. Insurance companies can be picky when paying out but the Accidental damage cover does take away a lot of their excuses and I have had no problems on the couple of claims I have had. I did as a safety precaution check with my company for the cover I had and they OKd it.

IBQUILTIN

I have a photo inventory of all my machines and equipment for my homeowners and that was all they require

cashs_mom

To add items on as a rider, you normally have to have an appraisal done to show the value of what you have. I have a lot of antiques and some good jewelry and have to do this periodically for insurance purposes. I think you would be better off to just raise the amount of insurance you carry for the contents of your house to include your sewing/quilting equipment and supplies. Be sure to photograph your sewing room and keep the photos in a safe place. In case of loss you will have to prove that you had those items and their worth.

Peckish

What is this statement based on??

AZ Jane

To be safe, ask YOUR insurance agent how they handle your policy. Different agents, difference insurance companies, better safe than sorry! Especially if you have expensive or a lot of equipment.

linynp

Oh I definitely did a rider! Prior to adding sewing I have a LOt of photography and computer stuff so I up'd it for my machines.