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>

How much do appraisals cost by home type?

• <div><p>The cost to appraise a home depends on the type. Common types include:</p><ul><li><p>Single-family homes: $300–$400</p></li><li><p>FHA or VA single-family homes: $400–$500</p></li><li><p>Condominium: $300–$500</p></li><li><p>Multi-family home: $500–$1,000</p></li><li><p>Apartment building: $1,500–$3,000</p></li><li><p>Commercial properties: $1,400–$10,000</p></li><li><p>Raw land: $1,000–$8,000</p></li></ul><p></p></div>

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Q: Who pays for a home appraisal?

• <div><p>The purpose of the home appraisal determines which party pays for it. You&rsquo;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.</p></div>

Q: How long does the appraisal process usually take?

• <div><p>Around 1-2 weeks, including inspection and reporting time for an official evaluation.</p></div>

Q: How long is an FHA appraisal good for?

• <div><p>An FHA appraisal is valid for 180 days from the effective date of the report. In some cases, you can have the appraisal recertified if you make your request before the original expires so that you still may obtain an FHA loan. If approved, your appraisal update is valid for one year.</p></div>

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Verified Reviews for Antique And Jewelry Appraisal pros in Rugby, ND

*The Angi rating for Antique And Jewelry Appraisal companies in Rugby, ND 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 Rugby, ND 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 February 17, 2025

Reviewed in February 2025
Exceptional work done. Also changed my Florence lights to LED lights and checked out my stove besides fixing my outlets upstairs and placing some furniture back where is was after the outlet was fixed. Above and beyond what was expected. Well worth it. Looking forward to when I can get the part...
Apex Electrical Solutions
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Reviewed in November 2024
Work crew arrived right on time, Chad and Josh were very friendly, went through the project with me, answered my questions and promptly went to work. They also went through the completed job with me. I am very happy with the results of their work.
Groundworks
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Reviewed in November 2021
They are honest and hardworking people that do an incredible job!
C&Y Cleaning Service
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Reviewed in June 2020
you didn't even give them the right description of my project. I need chimney repair not roof replacement.
Gold Quality Construction, Inc.
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Reviewed in August 2019
Quickly scheduled, completed when scheduled and did a great job!
New England All Surface Restoration
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Reviewed in December 2016
It went great. We used them to build a new house and I cannot say enough nice things about this company. The entire process was so smooth and we absolutely love our new home. They got it done earlier than expected and I cannot imagine using any other company. I would highly recommend them to...
Gnu Legacy
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Antiques and Jewelry Appraisals questions, answered by experts

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.

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 cost to appraise a home depends on the type. Common types include:

Single-family homes: $300–$400
FHA or VA single-family homes: $400–$500
Condominium: $300–$500
Multi-family home: $500–$1,000
Apartment building: $1,500–$3,000
Commercial properties: $1,400–$10,000
Raw land: $1,000–$8,000

Around 1-2 weeks, including inspection and reporting time for an official evaluation.

An FHA appraisal is valid for 180 days from the effective date of the report. In some cases, you can have the appraisal recertified if you make your request before the original expires so that you still may obtain an FHA loan. If approved, your appraisal update is valid for one year.

The Rugby, ND 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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