Livingston Mutual: Homeowners

Homeowners Livingston Mutual can provide protection for the biggest investment you'll probably ever make, your home. Optional coverages and deductibles are available. You may be qualified for our Preferred Homeowner program with cost savings! Your independent insurance agent can best advise you so you can obtain the proper insurance coverage.

Dwelling Coverages Offered:

Dwelling Replacement Cost: The cost to repair or replace on the same premises using materials of like kind and quality. *Restrictions may apply, consult your independent insurance agent for details.

Actual Cash Value: Replacement cost of the dwelling including a deduction for depreciation.

Personal Property Coverage Limits:

Money, Bank Notes, Bullion, Gold$250
Securities $1,500
Electronic Devices $1,500
Watercraft, Trailers $1,500
Theft of Jewelry $2,500
Theft of Silverware $2,500
Theft of Guns $2,500

Incidental Property Coverages:

Debris Removal $500
Credit Card, Forgery $1,500
Grave Markers $1,500
Refrigerated Food Spoilage $500

Personal Liability and Medical Payment coverages are also included in your Homeowner policy.