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: How can I make sure my property gets the highest appraisal possible?

• <div><p>While parts of the appraisal are out of your control, there are some things you can do to potentially raise the home&rsquo;s value. You can make necessary repairs and upgrades before the appraiser visits&mdash;an appraiser can only value what is currently part of the home, not its potential. You can also provide the appraiser with the cost of recent upgrades. The appraiser will likely increase the value of your home by about 50% or more of what you paid for those improvements.</p></div>

Q: What factors affect audit costs?

• <div><p>Costs depend on the property size, audit complexity, and whether additional testing (e.g., blower door) is included.</p></div>

Q: Does a smart home increase property value?

• <div><p>A comprehensive smart home system can be really attractive to buyers and increase the value of your property. Components such as a smart security system, smart lawn and garden systems, and smart appliances can all drive up the value of your property.</p></div>

Q: How do I prepare for an appraisal?

• <div><p>Ensure the property is clean, provide access to all areas, and supply relevant documents, such as recent upgrades or tax records.</p></div>

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Last update on October 16, 2025

Reviewed in April 2017
Jeff and his wife Marlena did a wonderful job painting the interior and exterior of our home. Overall experience was great ... they were both easy to get along with, polite, punctual, very neat/tidy, and constantly communicated updates to keep us appraised of progress and estimated completion...
JTB Paint Co
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Reviewed in April 2015
Four workers came out to do the moving. They handled my furniture fine. But I had two pieces of jewelry stolen and I have filed a complain for that. They were fine but one of them was bad I think that stole my jewelry.
All My Sons Moving & Storage
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Reviewed in March 2015
Aqua-man is a very professional company. From the initial sales presentation by Kelly to the final install the job was handled with competence and expertise. I highly recommend them for all water needs and was most impressed by their product knowledge and honest appraisal of the type system...
Aqua-Man Water Conditioning
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Reviewed in April 2013
We hate to add the following part since we had such a great outcome on the purchase of our house, but when we gave Petra the contract to sell the previous house we owned, the outcome was poor. She priced the house below our purchase price. We received a contract on the house the first day on...
Petra Richardson/Home Team of America
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Reviewed in April 2013
I would never use him again. He gave me a low ball appraisal which I found out he does to everybody. He gave me an appraisal for $75,000 and I sold it for $95,000. He is paid big bucks for screwing people over. He was there when he said he would be.
Hodges John
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Reviewed in January 2013
My wife had a diamond anniversary ring with a cracked 1.5 carat center diamond (yes that's possible) and intended to file an insurance claim to get it replaced. We used Angies List to pick Rialto. Luis first worked with us in providing appraisal and other information to support the insurance...
Rialto Jewelry
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Reviewed in April 2012
They did an alright job of cleaning my home. But my experience with them as a service on the whole was terrible. The same employee was supposed to come each time to clean my home. Each time there was a scheduled appointment with them it was always a different person who arrived to clean. From...
MAID IN TEXAS
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Reviewed in May 2008
If you need your gutters cleaned, call Woody. We were in the process of listing our house and found out the home appraisal was in 4 days. I called Woody and he was able to squeeze us in on short notice without hesitation. On the scheduled day, it rained and they were unable to work on the...
AMERICAN GUTTER & ROOF CLEANING
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Healing Hands Healing Heart Cleaning Services LLC

Healing Hands Healing Heart Cleaning Services LLC

Born media

Born media

Texas Gold and Silver Buyers

Texas Gold and Silver Buyers

Lone Star Gold and Silver Buyers #3

Lone Star Gold and Silver Buyers #3

Appraisals & Estates by June Hayes & Associates

Appraisals & Estates by June Hayes & Associates

Jewelry Judge San Antonio

Jewelry Judge San Antonio

Traders Cottage

Traders Cottage

exquisite estate sales

exquisite estate sales

Seguin Gold, Silver and Coins

Seguin Gold, Silver and Coins

FRANK'S ANTIQUES & COLLECTIBLES

FRANK'S ANTIQUES & COLLECTIBLES

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