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Household Goods & Personal Property
We appraise jewelry, furniture, antiques, firearms, and collections at the replacement cost your rider or contents coverage should carry, from a single scheduled piece to a whole household.
Insurance Coverage Appraisal
Insurance coverage appraisal services establishing scheduled values for personal property, vehicles, and equipment before a loss occurs. AppraiseItNow appraises firearms, collectibles, motorcycles, and RVs for insurance scheduling.
These guys were phenomenal… I will definitely use them again
…they did a superb job and clearly explained how they arrived at the appraisal value
They negotiated with the insurance for us… Absolutely worth the price we paid
USPAP-CompliantOnsite or OnlineIRS Qualified
DEFENSIBLE, USPAP-COMPLIANT APPRAISAL REPORTS — QUALIFIED FOR INSURANCE CARRIERS, UNDERWRITERS, AND AGENTS.
AppraiseItNow Appraises Personal Property, Art, Vehicles, Boats, and Equipment for Insurance Coverage
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Fine Art & Paintings
We value paintings, prints, sculpture, and photography at retail replacement cost for fine art riders and agreed-value schedules, with the standard of value stated on the first page.
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Vehicles, Boats & RVs
We document the value carriers ask for before writing agreed-value coverage on a classic car, custom motorcycle, boat, or RV, or the hull value a lender or marina requires.
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Machinery & Equipment
We establish replacement cost new and actual cash value for the machinery on a commercial policy, so the sum insured matches what it would take to replace it.
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Joe Kattan
Owner & CEO
Joe founded AppraiseItNow to make a certified, USPAP-compliant appraisal as simple to order as anything else online. A former Bain & Company strategy consultant, Joe leads the entire team and specializes in strategy, growth, and the firm's tech capabilities.
Anne Hay
Personal Property Appraiser
ISA Accredited Member with 30 years in the trade, from running estate sales and an auction gallery to appraising luxury apparel, furniture, artwork, antiques, and business assets, primarily for IRS tax filings.
Jason Dolph
Machinery & Equipment Appraiser
Third-generation auctioneer and CAGA Certified Appraiser with more than 20 years valuing machinery, equipment, vehicles, business assets, and estates for banks, attorneys, and trustees across the Carolinas.
Ashley Innes
Personal Property Appraiser
ISA Accredited Member specializing in Asian art, with a Master's from SOAS and a Postgraduate Diploma in Asian Art. Ashley chairs the ISA's Antiques, Furnishings, and Decorative Arts committee and appraises for charitable donation, insurance, and equitable distribution.
Marnie Erkelens
Vehicle Appraiser
CAGA Certified Appraiser since 2014, covering vehicles, boats, equipment, fine art, and collectibles. A classic-car restoration background informs her vehicle work, with reports prepared for insurance, divorce, and charitable contributions.
Justin Ramirez
Business Valuation Expert & Appraiser
ASA, ABV, and CFA charterholder. Since 2016 Justin has valued businesses for estate and gift tax, purchase price allocations, fairness opinions, lending, and buy-sell agreements, across manufacturing, services, retail, and pre-revenue biotech.
Raymond Ghelardi
Business Valuation Expert & Appraiser
Accredited Senior Appraiser with the American Society of Appraisers. Raymond values capital stock, business enterprises, stock options, and intangible assets.
Aron Blue
Client Success Manager
Manages each engagement from the first enquiry to the delivered report, and keeps you posted at every step along the way.
- USPAPWritten to the Uniform Standards of Professional Appraisal Practice
- Replacement valueThe retail replacement cost carriers and adjusters schedule and settle against
International Society of AppraisersAccredited Member
Certified Appraisers Guild of AmericaCertified Appraiser
American Society of AppraisersAccredited Senior Appraiser- ABV®AICPAAccredited in Business Valuation
- CFA®CFA InstituteChartered Financial Analyst
The Appraisal FoundationAuthorized by Congress as the source of appraisal standards
Insurance Coverage Appraisals Written to Replacement Cost, Actual Cash Value, or Agreed Value
A policy pays on the standard of value printed in it, and the three can differ by the full amount of depreciation. Before we value anything we confirm which one your carrier or agent needs, and the report names it on the first page so the underwriter is reading the number they asked for.
Replacement cost value
What it would cost to buy a comparable item at retail today, with nothing deducted for age or wear. On this basis the insured value usually includes the dealer markup, buyer’s premium, and tax a real replacement would carry, which is why it runs above the fair market value used on tax filings.
Policies are typically written on this basis for:
- Scheduled jewelry, fine art, and collectibles riders
- Household contents on a replacement cost endorsement
- Machinery and equipment insured at replacement cost new
Actual cash value
Replacement cost less depreciation, or the item’s market value immediately before a loss; which of the two applies depends on the policy wording and the state. It is the default basis for unscheduled contents under a standard homeowners form and for most vehicle and boat policies.
Policies are typically written on this basis for:
- Unscheduled contents under a standard homeowners form
- Standard auto, motorcycle, boat, and RV policies
- Older equipment where the carrier caps what it will indemnify
Agreed value
A value fixed on the declarations page when the policy is written and paid in full on a total loss, with no negotiation over depreciation afterwards. Carriers ask for an appraisal, photographs, and build or provenance records before they agree to it.
Policies are typically written on this basis for:
- Classic, collector, and custom cars and motorcycles
- Yachts and powerboats on agreed-value hull coverage
- Vintage RVs, and fine art on an agreed-value schedule
Bars are illustrative and imply no figure. The depreciation an actual cash value policy deducts, and the amount a carrier will agree to, are findings of the assignment.
Before a loss
Insurance coverage appraisal
Establishes the value your limits, schedules, and agreed amounts are built on, so the policy is right before anything happens.
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After a loss
Insurance claim appraisal
Establishes what was lost and what it costs to replace, and supports a dispute under the policy’s appraisal clause.
Insurance claim appraisalsWe confirm the standard your carrier or agent needs before work begins, quote a flat fee up front, and write every report to USPAP.
What you receive
We Deliver a Schedule of Values Written to the Standard Your Policy Names, in the Depth the Assignment Calls For
Scheduling an item moves it from a category sublimit to coverage at its declared value, and carriers ask for support before they schedule it. The report is that support: the identifiers, condition, market evidence, and stated value standard an underwriter checks, listed piece by piece where a rider calls for it and by category on a large contents or equipment assignment.
01Oil on canvas, signed lower rightDimensions, framed, provenance on fileRCV
02Platinum and diamond ringGrading report number, carat weight, conditionRCV
031967 coupe, numbers matchingVIN, mileage, restoration recordsAgreed
04CNC vertical machining centerSerial number, model year, spindle hoursRCV
05Center console, twin outboardsHull number, engine hours, electronicsAgreed
Values withheld. A scheduled piece is listed with its identifiers, condition, the basis of value the policy names, and the appraised amount; a large assignment groups by category, with the depth of documentation agreed before work begins.
Identification
Make, model, and serial number; maker, medium, and dimensions; VIN or hull number. The identifiers that tie the line to the object.
Condition and photographs
Photographs and a condition note for the pieces being scheduled. On a large contents or equipment assignment the depth of documentation is agreed up front, and categories are treated as categories.
Market evidence
Comparable retail sales, dealer and auction records, and recognized guide values for vehicles and boats, cited in the report.
The value standard, stated
Replacement cost, actual cash value, or agreed value, named on the first page with the intended use, so the underwriter is reading the basis they asked for.
Appraiser certification
A signed USPAP certification from an appraiser holding credentials with organizations such as the ASA, ISA, or AAA.
An insurance coverage appraisal is the right step when:
- Writing a new policy or adding a scheduled rider
- After buying, inheriting, or commissioning something of value
- Every few years, as carriers reassess scheduled values against the market
- Before agreed-value coverage on a classic vehicle or a boat
- When a lender or marina requires a documented hull value
- After a restoration or upgrade that guide values ignore
Turnaround varies by project. Tell us the binding or renewal date and we confirm up front whether we can meet it.
What insurance coverage clients say we are known for
Insurance Coverage Appraisal Reviews: “These guys were phenomenal” and “for me it was well worth it”
- Being the appraiser they come back to“I highly recommend their services” Kim R.Mentioned in 10 reviews
- Showing the research and the comparables behind the number“it’s clear they did a significant amount of research” Kim R.Mentioned in 7 reviews
- Answering fast, and staying reachable while the work runs“Joe was always prompt and responsive” Dan R.Mentioned in 5 reviews
- Delivering the finished report ahead of the deadlineMentioned in 5 reviews
- Picking up on a weekend, and expediting when a tax deadline is closeMentioned in 3 reviews
Across 17 published insurance coverage appraisal reviews, every one from a client who paid AppraiseItNow for an appraisal, the three things they raise most often are that they would hire us again, how much research is visible in the report, and how quickly we answer.
These guys were phenomenal. Joe was very responsive and gave clear instructions on how to submit my information for the appraisal, which he completed in a very quick timeframe. The appraisal itself was extremely detailed and included a thorough explanation of how they arrived at the value. It came with extensive documentation, and it’s clear they did a significant amount of research. They were also very responsive through text and email and always available to answer any questions. I had them appraise my fifth-wheel RV for resale, and I highly recommend their services. I will definitely use them again.
Kim R. , Emory, TX · Recreational Vehicle Appraisal for Insurance Coverage
The appraisal was done very well. Since he was a local artist here in Charleston, SC, they took the time to study and review Jim Booth’s art. His work has made him extremely famous, which can make an appraisal challenging, but they did a superb job and clearly explained how they arrived at the appraisal value. I highly recommend Appraise It Now and will use them again for all my artwork.
Lonnie L. , Johns Island, SC · Artwork Appraisal for Insurance Coverage
AppraiseItNow did an excellent job appraising our unique art collection. Joe was always prompt and responsive, and he and his team delivered a thorough, well-supported appraisal in just a couple of weeks, even during the holiday season. I was genuinely impressed. Thank you for the great work!
Dan R. , Bakersfield, CA · Artwork Appraisal for Insurance Coverage
AppraiseItNow's service was expeditious and professional. The report was thorough with plenty of examples and rationale for the valuations. Good service comes at a cost, but for me it was well worth it. Highly recommended!
Jason O., New York, NY · Personal Property Appraisal for Insurance Coverage
We recently used AppraiseItNow for one of our clients and couldn’t be happier with the experience. The customer service was excellent, and Joe was quick to respond to all of our questions. He provided everything we needed promptly and made the process smooth from start to finish. Thank you!
Alice T. , Bayville, NJ · Boat Appraisal for Insurance Coverage
I was looking for an appraisal and time was of the essence. They got the job done in only a few days with excellent customer service. Great business to work with.
Rick H. , Peru, NY · Machinery & Equipment Appraisal for Insurance Coverage
Appraisals for Insurance Coverage, Near You
AppraiseItNow offers online appraisals and onsite appraisals in all 50 states.
Browse all states by region
Featured Insurance Coverage Appraisal Case Studies
Mixed Antique and Modern Firearms Collection Insurance Appraisal
April 25, 2025
Military rifles, percussion pistols and custom competition builds in one Tennessee collection, each priced for insurance replacement.
Frequently Asked Questions on Insurance Coverage Appraisals
Does an insurance coverage appraisal trigger any IRS reporting requirements?
No. Insurance coverage appraisals are not tax events and do not require IRS forms such as Form 8283, which applies only to charitable donations of non-cash property exceeding $5,000. Your appraisal report is prepared for insurer submission and retention, not for tax filing purposes.
Does a standard homeowners policy already cover my jewelry, art, firearms, or collectibles?
Only up to a category sublimit. Standard homeowners forms cover contents as a percentage of the dwelling limit and cap unscheduled categories such as jewelry, firearms, and collectibles at modest per-category amounts, often a few thousand dollars, whatever the collection is actually worth. Scheduling an item on a rider moves it to coverage at its declared value, and carriers usually ask for an appraisal before they schedule it.
Do you appraise for agreed-value coverage on a classic car, motorcycle, or boat?
Yes. Carriers writing agreed-value coverage on classic and custom vehicles, boats, and vintage RVs ask for an appraisal with photographs and build or restoration records, and the agreed figure then becomes the total-loss payout with no depreciation deducted afterwards. We document the vehicle or the hull, including the engines, electronics, and equipment a boat’s hull value includes, and state the standard of value the carrier names.
What happens if I don’t update my appraisal after acquiring new assets or making significant changes?
If your policy limits no longer reflect the current replacement cost of your assets, you risk being underinsured at the time of a claim. Periodic appraisal updates ensure your coverage keeps pace with market conditions, new acquisitions, and changes to existing assets.
Will my insurance company accept an AppraiseItNow appraisal?
That is the insurer’s decision, and we never promise it. Our reports are written to USPAP, state the value standard your policy uses (replacement cost, actual cash value, or agreed value), and carry the identifiers, photographs, and market evidence underwriters ask for. If your carrier has a specific wording or form requirement, tell us before we begin and we write to it; checking with your agent first avoids a revision later.
Can an insurance coverage appraisal resolve a dispute over whether a loss is covered under my policy?
No. An insurance coverage appraisal establishes replacement value before a loss to set adequate policy limits. Post-loss claim appraisals address disputes over the amount of a loss, while questions about whether a loss is covered at all are matters of policy interpretation handled outside the appraisal process.