Livingston has 5,718 residents in 2,419 households. We list 4 agencies for inland marine insurance in Livingston. Here is what the local numbers say about the cover people here need.

Livingston at a glance

4inland marine insurance agencies listed
49.6%of households rentRenters insurance
$200,100median home valueHome insurance
1976median year homes were builtRebuild cost calculator
8.5%of households have no carAuto insurance
7%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Polk County

FEMA rates the overall natural hazard risk in Polk County, where most Livingston agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Livingston
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Livingston

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Livingston How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Questions

Inland Marine insurance in Livingston

All insurance agencies in Livingston · Inland Marine insurance across Texas

Where can I find inland marine insurance in Livingston?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does inland marine insurance cover?

Covers goods, tools and equipment while in transit or away from your premises.

Do I need flood insurance in Livingston?

FEMA's National Risk Index rates inland flooding risk in Polk County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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