I am a long-time hobbyist and over the years have built most of the furniture in our house. Does anyone have any advice on how to establish "replacement value" for items I have built myself for my own use so that they can be adequately covered under my homeowner's insurance? (My nightmare is that my reproduction of a Williamsburg sideboard would be evaluated as a "homemade buffet table" and the replacement cost determined accordingly.) My company (USAA) says I should have the pieces appraised. I could have this done, but wonder about finding an appraiser with experience dealing with custom made furniture. Are there other approaches?
Thanks in advance for any advice anyone might have.