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Living Room

This room is more formal than a den or family room. It may be furnished and appointed in a manner similar to the den or family room but it is typically not used either as frequently, or by all family members. Usually though, this room is furnished with somewhat more expensive furniture and contains more art or antiques than you might find in a family room.

Replacement Cost Valuation Tips

By definition, this is a more formal room; home entertainment equipment is a Family Room item. However, you may have expensive electronic equipment here just the same. Art, antiques, oriental rugs are all taken into account if values and quantities are typical. But, if you have a lot of these items or one or a few of very substantial value, the safest thing is to add their value to your room summary.

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