Can I use an appraisal to get homeowners insurance?

• <div><p>Your home insurance company may allow you to use an appraisal instead of an inspection when you apply for coverage. Keep in mind that despite this, an appraisal is far less detailed than the different <a href="https://www.angi.com/articles/types-of-home-inspections.htm">types of home inspections</a> available and may not reveal potential risks that you’ll want to know about. </p></div>

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Verified Reviews for Antique And Jewelry Appraisal pros in Saint Charles, IL

*The Angi rating for Antique And Jewelry Appraisal companies in Saint Charles, IL is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Antique And Jewelry Appraisal needs.

*The HomeAdvisor rating for Antique And Jewelry Appraisal companies in Saint Charles, IL is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Antique And Jewelry Appraisal needs.

Last update on December 06, 2025

Reviewed in December 2025
I hired Rosy’s Cleaning Services for one time janitorial service for my jewelry business. They did an amazing job, my store is sparkling. I recommend them they are professional.
Rosy's Cleaning Services
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Reviewed in October 2025
Michael was great to work with, prompt and helpful with information and responses, and completed our home appraisal in the estimated timeframe - I would recommend Michael to anyone needing an accurate, timely home appraisal.
MJ/Johnson Appraisals
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Reviewed in February 2024
Mr. Kephart got right back to me, and set up a quick turn around for an appraisal. He is very efficient and professional. I will be using him again and again. The appraisal was proper. The professionalism, on the other hand, was extraordinary. The model of good business.
Kephart Appraisal Service, Inc.
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Reviewed in October 2023
I recently used Property Analysis Corp for a residential real estate appraisal. Dave was professional and demonstrated significant knowledge of the local residential market. He was prompt, courteous and efficient. I would not hesitate to use their services again.
Property Analysis Corp
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Reviewed in May 2023
Completed appraisal in a professional manner on time.
Todd Hafner Appraisals
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Reviewed in May 2021
Very professional. Would recommend them to everyone in need of a home appraisal.
Boivin Appraisals, Inc.
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Reviewed in April 2021
I was impressed with the care they took with my antiques - unlike my previous experience. They were efficient and fast. I would have appreciated an additional contact prior to the move. I wasn't sure how to get the boxes, etc.
Advanced Moving & Storage, Inc.
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Reviewed in October 2020
Excellent - Mr. Huston was prompt in his delivery of our appraisal. We had a unique situation and he was willing to work with us to make it happen. My husband and I felt he was experienced, knowledgable, and efficient in his work. We were so pleased we hired his services, again, to provide us...
Las Palmas Appraisal, Inc
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Reviewed in July 2020
Mr. Raimonde did an amazing job repairing and refinishing my antique bed and dresser. They are now stunning! I will use his services again and recommend him to others.
Anthony Raimonde
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Reviewed in March 2020
He was on time, courteous, and respectful of the property. i received the appraisal about a week later. i feel the appraisal was accurate and complete.
Stapleton Appraisals
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Top-Rated Antique and jewelry appraisers in Saint Charles - Updated Nov 2026

Serving Saint Charles, IL and surrounding areas

In business since 2015

Free estimates

Credit card accepted

"I was very impressed with the quick and informative response I received. Janet took the time to give me background information on my artwork and I was very appreciative for the knowledge. I would highly recommend using them! Jodie L."

Response time11 hrs

Recommended by100%of homeowners

Serving Saint Charles, IL and surrounding areas

In business since 2006

We are the leading Chicago appraisal firm specializing in property appraisals for Divorce, Bankruptcy, Tax Appeals, Probate & Estate, Pre-Listings, FSBO's and more. We are considered by many to be the top appraisal firm in the Chicago market and surrounding including Park Ridge, Glenview, Morton Grove, Niles, Des Plaines, Mt. Prospect, Arlington Heights, Elk Grove Village, Schaumburg, Norridge, Harwood Heights and more. \n

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Big Patriot Home Remodeling

New to Angi

Appraisal - General

Serving Saint Charles, IL and surrounding areas

In business since 2020

Free estimates

Emergency services offered

Big Patriot Home Remodeling is committed to excellence in every aspect of our business. We uphold a standard of integrity bound by fairness, honesty, and personal responsibility. Our distinction is the quality of service we bring to our customers. Accurate knowledge of our trade combined with ability is what makes us true professionals. Above all, we are watchful of our customers' interests and make their concerns the basis of our business.

Response time20 mins

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Cole & Nosek Contracting

New to Angi

Appraisal - General

Serving Saint Charles, IL and surrounding areas

Cole & Nosek Contracting brings over 50 years of hands-on experience in the field, along with decades of trusted side job expertise. No project is too big or too small—we handle everything from repairs and renovations to custom work and professional painting. If you can envision it, we can build it. Reliable, skilled, and committed to quality, we get the job done right.

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Antiques and Jewelry Appraisals FAQs, answered by experts

In most cases, selling a home in as-is condition will lead to a sale price that’s somewhere between 10% and 30% lower than normal. However, it’s often worthwhile to sell at a loss because the alternative would be to pay for the repairs yourself, which could end up costing you more. Even if they didn’t, selling as-is saves you from the time and energy you’d spend coordinating the repairs.

A koi pond may add value to your home if it’s a feature sellers are looking for. Like pools, ponds can affect your property value depending on their condition, whether they’re a popular selling point, and how well they’re incorporated into your home’s landscape.

The purpose of the home appraisal determines which party pays for it. You’re generally responsible for the cost if you need to know the current value of your home to refinance your mortgage, though in some instances the lender will pay for it. The buyer pays for the appraisal when they are applying for their mortgage.

Both conventional loans and FHA loans are types of mortgages, but they have a few key differences. Conventional loans are backed by private lenders without any government backing, and FHA loans are guaranteed by a government agency. FHA loans are designed to be easier for borrowers with low credit scores or income to qualify for.

Your home insurance company may allow you to use an appraisal instead of an inspection when you apply for coverage. Keep in mind that despite this, an appraisal is far less detailed than the different types of home inspections available and may not reveal potential risks that you’ll want to know about.

The Saint Charles, IL homeowners’ guide to antique and jewelry appraisals

From average costs to expert advice, get all the answers you need to get your job done.

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