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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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: Do basement bedrooms count on an appraisal?

• <div><p>Basement bedrooms can count toward your room count and the square footage of your home on an appraisal if they&rsquo;re fully legal, which means they have proper ventilation and points of egress, as defined by your local building code. Simply partitioning off a space for a bedroom in an otherwise unfinished basement that isn&rsquo;t a legal living space won&rsquo;t affect your appraisal value.</p></div>

Q: How can I find a trustworthy appraiser?

• <div><p>Some appraisers hold a Member of the Appraisal Institute designation. This accolade is the highest credential property appraisers can earn. An MAI appraisal is typically used for commercial properties.</p><p>While your lender will likely recommend an appraiser, you can also hire a professional home appraiser on your own. Choose someone who is experienced in your type of residential property, and ensure they hold all of the necessary credentials that your state or region requires.</p></div>

Q: Why should I hire a professional for a real estate appraisal?

• <div><p>Ensures accurate valuation reflecting current market conditions, assisting in financial decisions.</p></div>

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Verified Reviews for Antique And Jewelry Appraisal pros in Lubbock, TX

*The Angi rating for Antique And Jewelry Appraisal companies in Lubbock, TX 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 Lubbock, TX 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 July 29, 2026

Reviewed in July 2026
Excellent service! Fast, professional, and reliable. They showed up on time, explained everything clearly, and completed the job with great attention to detail. The quality of the work exceeded my expectations, and they left everything clean when they finished. Fair pricing and outstanding...
Lowder Property Services
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Reviewed in July 2026
Julio repainted the cabinets in my kitchen and did such an amazing job! The work was done quick and professionally, I just love how my kitchen looks!
Julio Elizondo Drywall
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Reviewed in September 2025
Remove wall paper and texture and paint 8 rooms. Looks great and cleaned up very well. Reasonably priced and honest.
Hanks Enterprise
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Reviewed in July 2025
Rogelio installed decorative bricks for our back patio and power washed all of it before our daughter’s wedding. He did a wonderful job, very efficient worker and a pleasure to talk to.
Maniac Makeovers
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Reviewed in April 2025
Ben, owner, (Kingdom Kutz) is the best. He came out to give an estimate the same day, was professional, and so incredibly polite. He was very fair with the price and explained all charges. Will absolutely use again.
Kingdom Kutz Landscaping & Concrete
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Reviewed in October 2024
KYC PAINTING LLC did an outstanding job on my home. Kevin and his team were not only professional but also extremely reliable. They took the time to understand exactly what I wanted, and the results exceeded my expectations. The paint job was smooth, clean, and brought new life to my space. What...
KYC PAINTING LLC
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Reviewed in February 2024
DON’T. JUST DO NOT HIRE THIS COMPANY. We hired them for our move from Bedford, Texas to Lubbock, Texas. Granted we did have to change the dates a A lot, and they were very supportive in this. I had never sold the house and had to do a long distance move like this on my own. So they were very...
Easy Moving Company
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Reviewed in July 2022
Excellent value and superior service.
Leo's Fencing
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Reviewed in July 2022
Honest, reliable, and professional. Showed up when I couldn't get anyone else to. Investor and Realtor here in Lubbock and I use them to maintain all of my listings until they sell and to get them looking sharp before having photography done. Their pricing is reasonable for the level of...
Grass & Brass Lawn Care, LLC
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Reviewed in June 2022
They are prompt and knowledgeable, and reasonable price.
Reno Plumbing
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Find Antique and jewelry appraisers in Lubbock

American Remodel And Repair

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Serving Lubbock, TX and surrounding areas

In business since 2008

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"Excellent....clean and polite workers; cleaned up the job site afterward."

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Recommended by96%of homeowners

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Antiques and Jewelry Appraisals questions, answered by experts

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 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.

Basement bedrooms can count toward your room count and the square footage of your home on an appraisal if they’re fully legal, which means they have proper ventilation and points of egress, as defined by your local building code. Simply partitioning off a space for a bedroom in an otherwise unfinished basement that isn’t a legal living space won’t affect your appraisal value.

Some appraisers hold a Member of the Appraisal Institute designation. This accolade is the highest credential property appraisers can earn. An MAI appraisal is typically used for commercial properties.

While your lender will likely recommend an appraiser, you can also hire a professional home appraiser on your own. Choose someone who is experienced in your type of residential property, and ensure they hold all of the necessary credentials that your state or region requires.

Ensures accurate valuation reflecting current market conditions, assisting in financial decisions.

The Lubbock, TX homeowners’ guide to antique and jewelry appraisals

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