Personal-property insurance guide
For art, antiques, collectibles, and other personal property, a remote appraisal may provide signed replacement-value documentation without waiting for a local appointment.
Remote review can fit scheduling, renewal, and records assignments when the property photographs well and the insurer has not mandated physical inspection.
Use a local appraiser when the carrier requires onsite work, damage needs physical examination, or the collection cannot be documented item by item online.
This page gives search engines and visitors the same practical orientation: what the route is for, what evidence matters, and which next step best matches the appraisal decision.
Use the page to decide whether the object needs a signed appraisal report, a first-pass screener, a resource checklist, or direct support before ordering.
Clear photos, dimensions, marks, provenance notes, condition details, and the intended use case help the reviewer choose stronger comparables and write a clearer report.
When formal documentation matters, the order should connect the object evidence, the value premise, the selected comparables, and any assumptions or limits in one shareable deliverable.
