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: Do appraisals usually come in high?

• <div><p>Appraisals can come in above or below the list price or offer price for a property, and where it falls depends on many factors. Those include the condition of the property, the location, and the age of the home, but often, the condition of the market is the biggest determining factor. Where demand is high for properties, buyers compete with each other for homes, which tends to drive up offer prices above where appraisals come in. Where demand is low, you&rsquo;ll often see the opposite happening.</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: What if I can’t find any records of when my house was built?

• <div><p>If you can&rsquo;t find any records online, you&rsquo;ll need to contact your county clerk&rsquo;s office to do further research. They should have property records on file, or can at least point you in the right direction of who to contact. You can also speak with your neighbors about when their houses were built because they were likely built around the same time. </p></div>

Q: Can professionals appraise unique or non-traditional properties?

• <div><p>Yes, experienced appraisers handle a variety of property types with tailored methods.</p></div>

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Verified Reviews for Antique And Jewelry Appraisal pros in Santa Clara, TX

*The Angi rating for Antique And Jewelry Appraisal companies in Santa Clara, 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 Santa Clara, 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 November 26, 2025

Reviewed in July 2025
The 2 workers (Enri&Eugene) did a great job of moving my antique furniture and China Fast, professional, courteous and polite. I have used them multiple times Always great@
All My Sons Moving & Storage
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Reviewed in August 2023
I hired Alamo Valuation for an appraisal of an investment property. The appraisal was thorough, completed on-time and at a fair price. The appraiser also communicated well throughout the process.
Alamo Valuation
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Reviewed in June 2023
Being an out of town home owner, he communicated very clearly on the steps and timing of the appraisal. I would highly recommend his services.
New Frontier Appraisal
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Reviewed in March 2021
Patrick was very professional. We spoke with him on several occasions and he answered all of our questions and concerns. His appraisal was very comprehensive.
Freedom Appraisals
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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 October 2014
Took call in the morning, came and appraised by noon, then crew was here before 3pm - same day service and totally professional crew. They cleaned up everything and we were totally impressed We will return service for any of our future landscaping and tree service. Thanks Jon ...
Alamo City Arbor Care
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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 October 2012
Called to make an appointment and they were able to get me in within a few days. He was very accommodating to my schedule and called to let me know he would be coming early which was wonderful. Did a upholstery cleaning on an antique couch I had purchased. Did a wonderful job, couch was dry in...
Heaven's Best Carpet Cleaning-Art San Antonio
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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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