1. A method to appraise an asset and to insure against risks related to the value of the asset, the method comprising: performing an appraisal on the asset using traditional valuation methods; adjusting the appraisal to arrive at an adjusted appraisal based on information that is not considered in traditional valuation methods; calculating a risk policy premium based on the adjusted appraisal for a risk policy that protects against risks related to the value of the asset.