Usually appraisers will give you the insurance replacement value so you can find a replacement in the same condition. Not really the resale value or what it actually is worth. For example I have my sewing machines insured and the replacement value is really high. I would hate to have to find a replacement for my Grover and Baker or Weed in the great condition they are in. I may not be able to find them again so I carry insurance floaters on them just in case. I could never sell them for the insurance value of course.
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