Your Insurance Policy FIRST... your policy is a CONTRACT. It's an agreement between you and us (Livingston Mutual) in which we, the Company, agree to provide benefits, reimburse losses and render services for you in return for a consideration (the premium you pay). The POLICY is the written statement of the terms of the contract.

Declaration Page

This page spells out the person or persons insured, property covered, specific limits of coverage, deductibles, policy period, etc. When you renew your coverage you will receive a new declaration page which becomes a part of your policy.

Policy Form

These pages contain the insuring agreement, definitions, coverage, exclusions, conditions and other policy provisions.

Endorsements

These are additional forms that customize the policy to fit your specific needs.

Policy Jacket

The jacket or wrapper contains among other things, the name and logo of Livingston Mutual Insurance Company. Like most wrappers, its purpose is to protect the contents of your policy.

Further Questions?

Whenever you have any questions about your policy, the best source for answers is your Independent Insurance Agent. Not only can this professional help to answer questions about your policy, but more important, he or she can help to evaluate all your insurance needs.