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Everything You Wanted to Know About Appraisals, But Were Afraid to Ask

Heather Nickerson, Artifcts
October 18, 2023

Reading time: 12 minutes

In honor of National Estate Planning Week, we thought we’d take a deep dive into the world of appraisals with an Ask Me Anything with our dear friend, colleague, and Ally in 'Stuff,' Sarah Reeder, Founder of Artifactual History Appraisal.

In addition to being an expert on ‘stuff,’ and specifically the value of ‘stuff,’ Sarah is also author of the book Ray Eames in 1930s New York, co-editor of Worthwhile Magazine™ and co-creator of The Art Elevator Collector’s Club. Read on to learn more about what she does as an appraiser, when to contact an appraiser, and even those questions we all want to ask (but may be afraid to!), such as the difference between an appraisal and a valuation.

Heather Nickerson, Co-founder of Artifcts: For our members who are new to the appraisal process, how would you sum up what you do?

Reeder: I like to think of what I do as being part lawyer, part accountant, and sometimes even part therapist! It might surprise some people, but appraisals are nothing like what you see on TV. My work entails numerous hours of research, the preparation of legal documents, and meeting meticulous professional requirements for appraising items to establish a value in a specific level of the market on a specific day (called the effective date) for a specific intended use. (We’ll come back to that later!)

Appraisals are nothing like what you see on TV...

The work appraisers do is a very specialized type of professional service akin to an attorney or an accountant that requires a lot of time and focused research, so the very quick and informal “off-the-cuff” depictions of appraising we all see on television have edited out the lengthy preparation (because it would be pretty boring to watch!) that goes into those short segments we see. But I wish it was more widely known that there is so much more work that goes into appraising than the 2-minute clips we see onscreen.

The therapist part sometimes comes into play because as you know so well here at Artifcts, objects can hold powerful memories and inspire strong emotions, totally independent from what their monetary value might be. Sometimes it’s a delicate conversation when the “heart value” and financial value are not aligned, and that is where I rely on market data and research to help individuals understand the current market conditions and corresponding value of the item. I always emphasize that market conditions should not diminish the positive sentimental associations they have with an item—they just happen to be the lens that appraisers must use in our professional work.

Nickerson: So, getting down to the nitty gritty, can you walk us through a typical day?

Reeder: There is no one typical day. That is one of the many things I love about being an appraiser, you never know what you’ll be working on next! There are two types of appraisals I spend most of my time on insurance appraisals and estate appraisals. And yes, they are different!

When I am working on an insurance appraisal, I am creating a legal document that will protect you and your items in the event of damage or loss. These appraisals are for the retail replacement value of the object and in doing so, pins that object and that value in time. That specific moment in time is called the effective date of the appraisal, and all appraisals have effective dates.

The effective date of appraisal is so important in all appraisal report intended uses, because it provides critical context for the numerical appraised value. The markets for art and antiques are always changing, much like the stock market we are more commonly familiar with, so the appraised values need to be contextualized to a specific day, because on the day before or the day after market conditions may have been different. For insurance appraisal reports, the effective date is typically the day I inspect the items in person as it establishes the condition I witnessed on that day.

The markets for art and antiques are always changing, much like the stock market...

When working on these types of appraisals, I spend a lot of time researching the object, documenting it with photos and a detailed description, cataloging it with a standardized format that will allow future users of the appraisal report to know the characteristics of the appraised item, researching the specific level of the market for similar items for the appraisal report’s intended use, and then developing an appraised value based on all the above.

In the case of insurance appraisals, the appraised value is generally the replacement value of the object (i.e. what would it cost to acquire the same exact or very similar object in a short period of time from a retail dealer). For example, if I am appraising a painting by a particular artist for insurance purposes, I’m going to identify which galleries represent that artist or sell paintings by that artist, and then compare their available inventory and pricing (which often is not publicly available and requires outreach to the galleries) to the appraised painting in terms of subject, size, condition, era of the artist’s career, and other factors.

Based on the current retail data I can obtain, I then make adjustments up or down if needed relative to the appraised painting, and document all relevant research for my appraisal client workfile, which I am legally required to keep for a minimum of 5 years. The final number after the specific adjustments from the comparable records accounting for differences from the appraised item is the appraised retail replacement value. So it’s all a lot more complicated and research-intensive than what the public typically sees in popular depictions of appraisers on television.

Insurance appraisals are very different from estate appraisals. Estate appraisals are not used for insurance coverage.  Estate appraisals are prepared at fair market value and are required in some situations to be filed with the federal government or relevant state and local governments for estate tax filing. The legal professional handling an estate is the one who determines whether this is required in specific estate situations.

While insurance appraisals are typically prepared at retail replacement value, estate appraisals are prepared at fair market value, which is often quite a bit lower. The United States government defines fair market value as

"The price at which the property would change hands between a willing buyer and a willing seller, neither being under any compulsion to buy or to sell and both having reasonable knowledge of relevant facts." According to Technical Advisory Memorandum 9235005 [May 27, 1992], fair market value should include the buyer's premium. [Source: Treasury Regulations Section 20.2031-1 (b).]

For estate appraisal reports, the effective date is typically at the time of the death of the deceased. This is very different than with insurance appraisals as it could take an executor months and months to close out an estate and yet the value is still pegged to the date of death. There is something called the “alternate effective date” which is 6 months after the date of death, which the estate can elect to use if the market has changed significantly in that time period. I always like to confirm which effective date the estate is using as this is a critical factor in guiding my valuation research.

Nickerson: Tell us a bit about the tools of your trade. What do you take with you when you visit someone’s home to start an appraisal?

Reeder: I am pretty consistent. I always take:

      • a good camera for capturing documentary photos
      • a tape measure so I can obtain the dimensions of artworks and the other items I am appraising
      • a clipboard and paper so I can take notes on-site that will later be expanded with research back in my office
      • a blacklight for examining artwork for inpainting and other restorations
      • a jeweler’s loupe for studying silver marks and other small details
      • a flashlight for studying artist signatures and providing additional ambient lighting for my photographs in dark locations.

I carry multiple flashlights and measuring tapes with me. If one breaks while I am on-site, I have a backup available to be able to continue working.

These tools are necessary, because I have to make sure I capture all the precise details that make your object unique. If it is artwork, is there an artist signature? Any blemishes or marks? Water or sun damage? All of these things are important to ascertain the value of an object, and I need to be able to document them while onsite.

 

Worn leather bag used for appraisalsSarah's trusty go-everywhere appraisal bag full of her tools of the trade. 

Nickerson: Some people, and I admit I was one of them at the beginning, may not know the difference between a valuation and an appraisal. Could you help explain what makes the two different?

Reeder: Sure! The Uniform Standards of Professional Appraisal Practice (USPAP) define valuation services as:

“A service pertaining to an aspect of property value, regardless of the type of service and whether it is performed by appraisers or by others.”

An appraisal is defined by USPAP as:

"(noun) the act or process of developing an opinion of value; an opinion of value. 
(adjective) of or pertaining to appraising and related functions such as appraisal practice or appraisal services.
Comment: An appraisal is numerically expressed as a specific amount, as a range of numbers, or as a relationship (e.g., not more than, not less than) to a previous value opinion or numerical benchmark (e.g., assessed value, collateral value).” 

In terms of the general popular context of these two words outside of their specific USPAP definitions, a valuation is typically more closely associated with ballpark estimates and not with a legal document. Think of it as something that will get you basic guidance, such as getting an approximate sense if an inherited collection is simply sentimental and has no monetary value, or conversely, if it might have significant monetary value.

A valuation is typically more closely associated with ballpark estimates ...

Appraisals are legal documents. A verbal ballpark numerical range cannot be used in court to settle an estate, with the IRS to document tangible assets for tax purposes, or with an insurer to document items for an insurance policy. USPAP-compliant written appraisal reports are needed for those intended uses.

Nickerson: Are there any red flags our members should watch out for when hiring an appraiser?

Reeder: One of my personal red flags is if the appraiser essentially says, "I will tell you how much it is worth and then purchase it from you.” There is a major conflict of interest there, and their interest may not be in your best interest.

Another major red flag is if an appraiser is not USPAP-compliant. USPAP is a very important professional and ethical standard regulating appraisers to help protect users of appraisal services.

It’s always best to look for an independent appraiser who is USPAP-compliant, and ideally is also a member of one of the professional associations for appraisers such as the Appraisers Association of America (AAA), the International Society of Appraisers (ISA), or the American Society of Appraisers (ASA). I am a Certified Member of the Appraisers Association of America and a Certified Member of the International Society of Appraisers.

You also want to make sure that any appraiser you hire has expertise in YOUR object(s). A jewelry appraiser may be great for your jewelry collection, but not your collection of mid-century modern furniture and vice versa. In USPAP, this is called the “Competency Rule”—basically, is this appraiser competent to appraise your items? If they aren’t, they shouldn’t do it.

You also want to make sure that any appraiser you hire has expertise in YOUR object(s)...

Nickerson: When should people hire an appraiser? Are there any life transitions that may necessitate an appraiser?

Reeder: Life transitions are a great time to take stock of what you have and what’s it worth. Some common life transitions where it can be useful to engage an appraiser are:

      • If you have inherited potentially valuable items such as artwork. An appraiser can provide expert guidance on their value and prepare an insurance appraisal report so they can be scheduled and protected with your insurance company.
      • If you plan on moving it can be very helpful to have valuable items appraised for insurance purposes in advance or to update an existing appraisal to make sure the insurance coverage is current.
      • For estate filing purposes when someone has passed. The estate’s attorney will direct whether an estate appraisal is needed.
      • For proactive estate planning purposes—if you have large collections, it can be helpful to get a sense of their value and how they might be structured in your estate plan for maximum tax efficiency for your heirs (again, your attorney will be a very helpful resource in this process).
      • Sometimes divorces are another life transition that may require an appraiser for the equitable distribution process. 

I get called into homes frequently for what I call "on-site consultations" when people have a lot of things (usually inherited) and they are worried about missing something that is potentially high-value. These consultations do not necessarily have accompanying appraisal reports. Most appraisers will charge the firm's hourly rate for this type of service. It can be really helpful for people in "getting unstuck" so they can move forward and make decisions for what's next for it all! 

Nickerson: And finally, you’ve experienced firsthand the joy (and usefulness!) of Artifcting. Any advice for our members or thoughts on how Artifcting can aid the appraisal process?

Reeder: Yes! Artifct your ‘stuff.’ Don’t wait! The details, photos, even video can help an appraiser get to work immediately determining an appraisal scope of work and sometimes even using the Artifcts as a resource to appraise items that may now be damaged or lost. It can save a lot of time and back and forth emails if you Artifct and share your Artifcts with your appraiser. Artifcts really is perfect for an appraiser’s workflow!

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Sarah Reeder is a Certified Member of the Appraisers Association of America, a Certified Member of the International Society of Appraisers with the Private Client Services designation, and a graduate of New York University's Program in Appraisal Studies in Fine & Decorative Arts.

© 2023 Artifcts, Inc. All Rights Reserved.

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Everything You Need to Know Before Heading to Your First Estate Sale 

Estate sales truly are about the thrill of the hunt for so many. The unique and unexpected finds, like that one cool item that's kind of kitsch and adds a pop of surprise to an otherwise sophisticated room. Or a fun element like an old brooch or cocktail ring paired with a nice outfit already in your closet. Other finds may be years and even decades in the making, alerts set for the item with every known estate sale, auction, and re-sell shop globally. 

If you’ve never been to an estate sale, you might feel a bit intimidated. You might feel like everyone knows the ins and outs, and you’ll be at a disadvantage both in terms of getting the items you are seeking and naming the right price.  

While there are practically “pro” estate sales shoppers out there in the world, most are curious folks out for some unexpected finds. Grab a friend and read our article to help ease you in and find joy in the hunt. You may even walk away with a story or two to share at your next party.

Finding an Estate Sale and Your “It” Item

Pop onto EstateSales.net, or your preferred estate sales website, to set a search radius (in miles) for how far from a location you’d like to be notified about upcoming estate sales. Some people like to stick close to home, and others love nothing more than a road trip for a great find. 

Then you can start browsing upcoming sales in a way that was not possible years ago. Why? Because now many estate sales are hybrid, showcasing a catalog of items that are auctioned online and other items that will be available only in-person the day of the sale. The online catalog is your “personal thrifting assistant,” according to Marika Clemow, Senior Vice President of Auction Technology Group, boosting your confidence and helping you scope your goals. 

While we’re all familiar with the expression, “Go big, or go home,” you might want to set that aside when it comes to estate sales and instead start small and focused. Set alerts and bookmark items of interest.  

Now, the “day of” experience. You’re lucky, because the most irksome of estate sales attributes is transforming – the line! Traditionally you had to show up hours before the sale, add your name to a list, and wait in line, creating stress for you, subjecting you to poor weather, and often irking the neighbors. But things are changing! Agents who run their sales through EstateSales.net can now allow you to reserve your spot in line and be notified when it’s your turn. It’s just like when you get on the waitlist at a restaurant. That’s a major victory for all. 

Once inside, what do you do? Very likely you make a beeline for the priority items you’ve scoped out online ahead of time. But if you’re just showing up unexpectedly or to be surprised, lovely, meander and enjoy.  

Unlike a museum, you’re encouraged to touch and inspect the items. And you’re certainly encouraged to ask questions. Whomever is working at the estate sale should be well versed in the provenance and backstories of interesting items. If you’re lucky, they’ve Artifcted them and you can simply scan the Artifcts QR code to learn more and take that story home with you.

Who’s Shopping Estate Sales?

Estate sales generally have a little something for everyone. We’re lumping buyers into four categories to give you a feel for the type of people you’ll encounter and how who is shopping can affect the mood and dynamic at a sale. 

The curious, #TreasureHunter. These shoppers enjoy the estate sale for the surprise finds and niche wins. It’s not about turning a profit. They are more inclined to negotiate, amicably browse, share their experience, and preserve stories, too. (Ahem, Artifct those finds!)

framed picture of Mary Duryee

Local history rescued by a discerning shopper! Artifcts member @ChristineVisser published an Artifct over the summer featuring a print of a famous local person picked up at an estate sale. CLICK THE IMAGE TO VIEW THE ARTIFCT.

Value seekers, #BudgetConscious. Thrifting means saving money on life essentials —e.g., clothes, tools, appliances, holiday decorations, furnishings and more—by choosing well-made and good condition secondhand items. The bonus with estate sales, of course, is the abundant variety, cataloged for easy browsing. Hard to say that about most in-person consignment stores never mind thrift stores! 

The curators and collectors, #CuratedNotCluttered. Still on the enjoyment and story side of the equation but with extensive research and knowledge and a very specific items or set of items on their target list. They will not deviate. They will look at the details to authenticate items. They will not be so inclined to negotiate with other buyers and will be prepared to drive a hard bargain with the sellers.  

The flippers and hustlers, #TurnAProfit. Check out Reddit and you’ll find an abundance of complaints about this type of shopper for everything from vinyl albums and games to sporting goods. They may “hoard” items so they can assess the resale value on the spot, frustrating other shoppers behind them in line. But beware – outside of exceptionally bad behavior, a sale is a sale is a sale.

Uniting these four types of estate sales shoppers? Unlike people who may exclusively take their search online through the likes of Everything but the House, estate sales enthusiasts still love the tactile world of retail. To see, touch, learn in objects’ native environments, with the opportunity to ask questions is part of the experience they seek.

Who are Estate Sales Agents?

It’s worth taking a moment to discuss the person behind the curtain, so to speak. Who are the estate sales agents behind the businesses running these sales? According to a 2024 survey by EstateSales.net, 68% of estate sales business owners are over the age of 55. They've moved on to their 2nd or 3rd careers and bring with them incredible life experience.

But a new generation of owners is coming on the scene, too. A generation prioritizing mission driven work and ideally work that supports a more sustainable, earth friendly future. If nothing else, estate sales are certainly all that.

We talk about re-homing items we Artifct all the time to avoid landfills and waste, like in our story, “Who Wants This Rocking Chair?” Estate sales support sustainability, providing the means to upcycle and recycle remainders as second and third lines of defense. And they are working! Check out trends in estate cleanouts that we covered in, “Insider’s Look at What It Means to Clean Out an Estate.”

Not Ready for an Estate Sale? Try Virtual Sales and Auctions

If you’re not ready or able to show up in-person at an estate sale, we understand. The same channels through which people re-sell “pre-loved” items in lieu of or sometimes in addition to estate sales can become your testing ground for setting up alerts for items of interest to you and only buying what you’re truly seeking.

Check out these in-person and online retailers where you can browse and set alerts for items of interest.

Listed in alphabetical order.

GENERAL HOME GOODS  

      • Auction Ninja, “The hunt starts here,” auctionninja.com  
      • Bidrush, "Local downsizing & estate online auctions,” go.bidrush.com 
      • Ebay, "Things. People. Love.," ebay.com 
      • EstateSales.net, “Find estate sales, tag sales, and auctions,” estatesales.net 
      • Etsy, "Global marketplace for unique and creative goods," etsy.com 
      • Facebook marketplace, buy and sell locally and nationwide, www.facebook.com/marketplace
      • LiveAuctioneers, "Let's go treasure hunting: auctions for one-of-a-kind art, antiques & luxury goods," liveauctioneers.com  
      • OfferUp, "The simpler way to buy and sell locally," offerup.com    
      • Whatnot, "The live shopping marketplace," whatnot.com

LUXURY AND OTHER HIGHER END GOODS AND COLLECTIBLES 

      • 1stDibs, "The most beautiful things on earth: Antique and modern furniture, jewelry, fashion, & art," 1stdibs.com 
      • Auction houses, such as Bonhams, Doyle, Heritage Auctions, and Nye & Company 
      • Chairish, www.chairish.com
      • Poshmark, "Buy, sell, and discover fashion, home decor, beauty, and more," poshmark.com  
      • The RealReal, "Where luxury is yours to define," therealreal.com 
      • Specialty antiques and collectibles dealers (too numerous to list - search online based on your item)

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© 2025 Artifcts, Inc. All Rights Reserved.

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Bring Your Family Tree to Life With Our Tips

You know the expression, "If a tree falls in the woods and no one is around to hear it, does it make a sound?" Well, we wonder, if you connect all the dots of your family history and no one knows about it, did it happen? 

Today's ARTIcles story is all about how we can share our family history so that the content and the message, aka stories, are actually received. To set the stage, we're sharing the inspiration for this article, a message from a woman we'll call Susan, who is a hobbyist genealogist, and who we think is not alone in her frustration. She reached out to us via Facebook Messenger back in March with a humourous headline: "True Story: My Family Refuses to Look at My Family Tree."

Here's a rough summary of what Susan had to say about her frustrations in trying to share family history with her relatives:

“My parents and siblings ask me for historical details about our family all the time.  

      • When was that again that they came over from France? And what part of France was it?  
      • Do you have a photo of Great Grandpa {last name}?  
      • Did we have any {bank robbers, poets, craftsmen, ... } in the family? 
      • Is the family burial plot in {city} the only family plot? 
      • Did anyone in our family serve in {name of war}? 

And I have come to realize I have no great way of sharing my findings with my family because they refuse to create accounts and sign into any of the genealogy software systems I use.

I’m in my late 50s and many of my siblings and in-laws are a lot older than me, so maybe technology is a factor. But I think it’s more that they simply want the answer, not what they see as the gory black and white details we genealogists love.

That said, even with the younger ones, the nieces and nephews, the second I flash a family tree or mention “Your great grandpa on your mother’s side… ,” they zone out.

That means I usually end up sending information by text message and email. But then they lose that quickly and it doesn’t get shared with everyone, so I have to repeat this work over and over again. It takes the joy out of it.

_________________

Better Options than Text, Email, or Intimidating Websites to Share Family History 

There are so many options available to help you share your family history discoveries, all those dots you’ve connected, black and white facts found, that will save your sanity and keep your family better connected with their history now and long into the future.  

Stick with links.* Share website links to directly relevant pieces of a family tree, photos, or documents that you might have in MyHeritage, Ancestry, FamilySearch or the like to prioritize your time and sanity. Like Susan, this is where you are comfortable operating. If they are truly interested, they can follow the simple steps to create an account. And there is usually a free option for them to do so. If that’s not the case, tell them the price and/or tell them how to sign up at a discount if you know there is a free trial period, a discount code available, or a sale coming up. Since you so kindly sent them a link, they won't have to dig - you'll guide them to exactly where the answer awaits.

Grant access to your cloud storage.* If you keep your research in a cloud-based system (like Google Drive, DropBox, Box etc.), give family members permission to view specific folders or bits of information that answer their questions, such as photos, documents, and maps. This simple approach is still better than losing things in email or text.

And please plan for the transfer of your digital genealogy assets upon death in your estate plan so all these family history treasures can be passed on to the next generation. 

* Remember that anyone can share a link but granting permission to access what that link leads to may require another step. So, with either of these first two options you may get others coming to you to request access to the same information because someone gave them the link. Hopefully the genealogy software or cloud solution you use automates that all to make it easy on you! 

Scan the photo or document, and Artifct That! There are many great app- and desktop-based options out there to scan a picture or document that you as the family keeper may be holding onto, such as the “Notes” app on many phones or the Photomyne subscription app. If you’d like assistance digitizing media, you can hire a professional photo manager, pop into a local shop that specializes in digitization and/or archival preservation, or check local libraries and genealogy centers for digitization resources, like the Vivid-Pix scan stations.

Scan those photos and docs and then do not let them get lost in text messages or 100s of photos back in a folder.

Artifct in the moment where you can then record the story and details and share with your loved ones before moving on to the next piece of the puzzle. But share where? You can ...

... Create Artifcts Circles. You can create as many Artifcts Circles, with as many people in them, as you like, for free. Think of circles like chat groups – anyone who accepts your invite can then share their Artifcts to the circle, too. You can even name another admin to add/remove people, too. People you invite need only to create a free Artifcts account to accept your Circle invitation and create and share up to five free Artifcts with the Circle, too!  

      • Sharing your stories and discoveries with Circle members means you are no longer the single point of failure or truth. Everyone will have access anytime, anywhere. But again, make sure in you've listed your primary and secondary legacy contacts in your Artifcts account settings so your Artifcts can live on. 
      • And you can crowdsource with Artifcts Circles, too. Have a gap you’re trying to fill in the tree? Wishing you had more family heirlooms, photos, or documents to back up your research? When people and estates are dispersed through time, it’s easy to forget who has what that may help to fill those gaps.  
      • Ask family to Artifct and share with the Circle. Yes, it may be more family lore than history or genealogy, but the lore is often equally as valuable to any facts you have collected. Lore is the character and color of the family history that has survived and can provide clues along your way – Artifct that! Get step-by-step details and inspiration for family circles here >

Have Fun Preserving and Swapping Stories

Next time you and your family get together, pick a theme in advance, and ask everyone to contribute to an Artifcts Circle.  

Among our favorites:  

      • Oldest family photo 
      • Favorite heirloom 
      • Secret/not-so-secret family recipe

Suggest everyone use the same tag for instant sorting of the Artifcts in the Circle to see just those created for this activity, e.g. #PicChallenge25, #Reunion25recipe.

Old family photo with all 13 kids and the parents

 
 
A rare family photo, with all 13 kids, preserved and shared with the rest of the Tirres family via Artifcts.

Happy Artifcting!

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© 2025 Artifcts, Inc. All Rights Reserved.

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What's In Your Garage?

A couple of weeks ago, we introduced, four garage “personalities,” and a lot of our readers found themselves exclaiming, “Yes, that’s me!” when we described the Classic and the Whozits and Whatzits garages. One of our readers even reached out to our founders to ask if it was written about them. Sorry, it was not, it was based purely on research.  

For those of you that find yourself staring at a lot of ‘stuff’ every time you venture into your garage, this ARTIcles story is for you.  

What’s In Your Garage? 

When was the last time you took a hard look at what was in your garage? If you had to create a home inventory of the items stashed and stowed away for safe keeping or “someday,” could you? The fact is that our garages often end up being de facto storage units of last (or first!) resort.  

Over 60% of US adults surveyed by Craftsman feel their garage is the most cluttered space in their home, and more than half of the adults surveyed use their garage for DIY projects. While Pods.com found that most garages in the US contain on average $1,800 worth of tools alone! Not to mention countless other items, some of which may be financially valuable or have what we love to call heart value. 

Our co-founder Heather, who lacks a garage in Washington DC, ventured home this summer to uncover the treasures lurking in her father’s garage. Kayaks, canoes, paddles, personal flotation devices, power tools, old signs, a custom-made West Barnstable Table waiting for its next home, and even a car. A car, shocking, we know! 

When asked, Heather’s father said he’d “certainly know what the big things are, I’d know there were two kayaks and a canoe, and one car...would my insurance company believe I had a West Barnstable Table sitting in the garage, probably not.”  

As for the rest of the ‘stuff’ in her dad’s garage, that’s up for debate. Which is not at all what your insurance company wants to hear if you ever need to file a claim if faced with a house fire, flood, or other natural or manmade disaster. 

If you aren’t sure what exactly is in your garage, take a moment this week to create a quick inventory.  

  • Start with the big ‘stuff,’ kayaks and cars included; 
  • Work your way down to the smaller, less memorable items;  
  • Document anything that has financial or heart value.  

Artifcts is a great way to record the stories and values behind all those whozits and whatzits lurking in your garage. You can also use one of the many inventory apps that we featured in last week’s ARTIcles story if you really get on a roll.  

...And Is It Insured? 

Once you know what’s in your garage, take a moment to confirm with your insurance agent that it is in fact all covered by your homeowner’s insurance policy.  

Homeowner’s insurance typically includes coverage for garages, whether attached or detached, as part of the dwelling policy. Coverage for detached garages is typically limited, however, to a percentage—e.g., 10 percent—of the dwelling’s coverage amount, which according to FEMA, may not be enough for valuable contents.  

Ask your agent about any additional riders recommended for particularly valuable items (antique cars, various collections, golf clubs, etc.) to ensure you don’t inadvertently end up with more ‘stuff’ than you have coverage for in your garage. Artifcts makes it easy to quickly and privately share the details of the items with your insurance agent via email or link. It’s a win-win for sure! 

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© 2025 Artifcts, Inc. All Rights Reserved.

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