why is my home insuarence appraisal for my home higher than the mortgage lender and county appraisali have been in my new home less than two months and my homeowner insuarence company appraised my home higher (by $50000) than the mortgage lender and county appraisal. they claim that the latter two are market based, but i know for a fact that the physical replacement of my home is much lower than waht the insuarence are quoting. i wonder whether this is a common occurence.October 07 2009 - Schenectady00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.