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Personal property appraisals for insurance coverage, prepared to support insurance submission. AppraiseItNow provides scheduled item valuations for antiques, jewelry, art, and collectibles, helping you avoid costly coverage gaps when it matters most.
…very helpful in my being able to get the highest amount possible from my insurance company
…for me it was well worth it. Highly recommended!
…strengthened my position in an ongoing insurance claim
DEFENSIBLE, USPAP-COMPLIANT PERSONAL PROPERTY APPRAISAL REPORTS — QUALIFIED FOR INSURANCE CARRIERS, UNDERWRITERS, AND AGENTS.
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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.
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.
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.
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.
Client Success Manager
Manages each engagement from the first enquiry to the delivered report, and keeps you posted at every step along the way.
International Society of AppraisersAccredited Member
Certified Appraisers Guild of AmericaCertified Appraiser
The Appraisal FoundationAuthorized by Congress as the source of appraisal standardsAppraiseItNow provides USPAP-compliant personal property appraisals specifically designed to establish accurate insurable values for policy coverage purposes. Whether you're scheduling a high-value item on a rider, adding coverage for a recent inheritance, or updating limits after a significant acquisition, the relevant standard is typically replacement cost, reflecting what it would cost to replace an item with one of like kind and quality at current market prices. Standard homeowners policies often cap categories like jewelry, rugs, or collectibles at $1,000 to $2,500, leaving rare or high-value items significantly underinsured without a formal scheduled appraisal. Our personal property appraisal services cover the full range of household and collectible assets that insurers require documented before extending scheduled coverage.
We deliver appraisals both online and onsite across the United States, working with clients to gather detailed item descriptions, condition notes, provenance documentation, and comparable market data. Our insurance coverage appraisal services produce photo-documented reports that satisfy insurer requirements and support scheduled riders for individual items or entire collections.
AppraiseItNow appraises a wide range of personal property categories that commonly require scheduled coverage or documented insurable value, including:
Our appraisers hold credentials through recognized professional organizations including ISA and ASA, with category-specific expertise in the types of personal property being valued.
What clients say we are known for
Across 80+ published AppraiseItNow reviews the picture is consistent: every one is from a client who paid us for an appraisal, and the three things they raise most often are that they would hire us again, how quickly we answer, and how much research is visible in the report.
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!
Personal Property Appraisal for Insurance Coverage
Joe made the process to have my piece of furniture appraised extremely easy, efficient and quick. My experience was great and I'd recommend AppraiseItNow to anyone looking for an appraisal.
Furniture Appraisal for Insurance Coverage
I used AppraiseItNow for the first time last month and I was extremely pleased with the results. I needed an appraisal done for insurance purposes and the level of detail about each of my antique furniture pieces was thorough and very helpful in my being able to get the highest amount possible from my insurance company for the antique items that were damaged. I could see that they spent time making sure that the information she included was correct and current for my antique furniture items in the current market. The team responded to my emails timely to answer any questions I had. I would highly recommend Appraise It Now to get a thorough and professional appraisal done on antique items. I do intend to use them again for other antique furniture and jewelry that I have. Job well done! 😃🤗
Antique Furniture Appraisal for Insurance Claim
Exceptional customer service and fast turnaround on my request for an insurance appraisal. Their professionalism, responsiveness, and attention to detail strengthened my position in an ongoing insurance claim. Incredibly easy to work with—courteous, efficient, and clear in their communication throughout the process. Highly recommend them to anyone needing accurate, independent appraisals for insurance or personal purposes.
Personal Property Appraisal for Insurance Claim
I contacted AppraiseItNow on a weekend asking for an expedited appraisal needed the following Tuesday, sent pictures as requested and answered a few questions for their team. Not only did the appraisal arrive on Tuesday, Joe waived the expedited fee! I would definitely recommend his services.
Antique Furniture Appraisal for Insurance Claim
I was very pleased with the service from AppraiseItNow. They responded quickly, offered fair pricing and turnaround, and the appraisal was done by a highly qualified expert. I provided details, photos, and records, and the final report was exactly what I needed. Fantastic service. I’d definitely use them again.
Antique Furniture Appraisal for Insurance Claim
It depends on the settlement basis you buy. Standard forms settle contents at actual cash value with depreciation withheld, while a replacement-cost endorsement pays the depreciation holdback only after you actually replace the item and submit proof of purchase. Insuring to documented replacement cost is what prevents the most common shortfall.
Because the blanket contents limit is set mechanically at roughly 50 to 70 percent of the dwelling limit, regardless of what you actually own. High-value categories can exceed that limit or hit sub-limits, and itemized appraisals with serial numbers, receipts, and photos are what support floaters and endorsements for those pieces.
No. Each carrier applies its own internal tables by asset type, and none is legally uniform; at least one state, Colorado, requires the insurer to produce its schedule on request. Evidence of condition and actual remaining useful life can rebut generic wear-and-tear assumptions, particularly on durable, well-maintained property.
Yes. HO-3 policies cover contents against 16 named perils while HO-5 forms cover open perils subject to exclusions, so a loss from an excluded cause, like wear or mechanical breakdown, is denied outright and the valuation question never arrives. Reviewing perils alongside limits is part of sound coverage planning.