Do I Need An Appraisal To Get Home Insurance? 
No , in most cases your home insurance is based on the replacement cost . Your agent will either measure your home or obtain the information from the county auditor website . They take in consideration the type of home , number of baths , construction , when it was built and a variety of other things to come up with replacement cost . There is also a Market Value policy which pays just the market value of the policy . 