<!doctype html public "-//w3c//dtd html 4.0 transitional//en"> <html> <body bgcolor="#FFFFFF"> Terry, I can't recall that I was ever asked for an appraisal for insurance purposes, but I often thought that if I was, I would give two values -- what it might cost to replace the piano with one that matches its current condition, and what it would cost to replace it with a new one of similar quality. Regards, Clyde Farrell wrote: <blockquote TYPE=CITE><style></style> A customer of mine has asked me to do an appraisal of his 1950s Steinway M for insurance purposes. Piano is in good condition. I have not done this before. I would imagine he is looking for two, or one of two values: Replacement cost of a new piano, and/or replacement cost of a comparable piano (price being consistent with what a dealer might ask for a similar piano). Anyone able to offer any guidance? Terry Farrell</blockquote> </body> </html>