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It's important to realize that your homeowners' insurance does not automatically cover items of unusual value such as antiques and collectibles. I'm calling it Collecting Objects for now and it's about collectors, collections, and those who are connected in some way (think antique dealers, auctioneers, etc).
An appraiser is trained in this kind of marketresearch and likely spends much of their time monitoring market conditions. Market familiarity is important, but so is connoisseurship - the ability to recognize an object for what it is. Hiring him or her to do the work likely makes a lot of sense. Avoiding bias.
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