What Is an Insurance Declarations Page?

Insurance declarations pages give you a summary of your coverage but don’t dive into the details.

Andrew MarderOctober 7, 2020
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An insurance policy is only useful if you understand what it covers and when you can use it. Does your homeowners policy cover hurricanes? What’s the deductible on your auto insurance? When can you count on your insurance company to step up and help you out?

An insurance declarations page is a summary of your insurance policy in one or two pages. It lets you know what’s covered, who’s covered, and how much you’re going to pay for coverage.

Declarations pages are also called “dec pages” for short. There are differences between auto insurance, homeowners insurance and renters insurance declarations pages.

Auto insurance declarations page

An auto insurance declarations page is an overview of your car insurance policy, but it doesn’t contain all the fine points. Those are laid out in other sections of the policy, which go into much greater detail.

Your car insurance declarations page will contain information about:

  • When the policy is valid.

  • What vehicles are covered.

  • Which drivers are covered.

  • What your coverage limits are.

  • What your deductibles are.

  • How much your premium is.

  • What discounts you’ve received.

  • Any optional coverage you have.

These facts are all presented at a summary level. For instance, your coverage limits might list bodily injury liability coverage of $30,000 per person and $60,000 per accident. The declarations page won’t say that this coverage doesn’t apply when you intentionally attempt to harm someone or that you won’t be covered when using your car for a business.

Exceptions are laid out in the policy details pages. You’ll know you’ve found the details of your policy when you find page after page of numbered paragraphs, subsections and sections where words like “you” are defined.

The dec page is meant to be a quick overview of your policy. It’s also an easy place to start understanding all of the parts of your coverage. You can see at a glance if you have the coverage you need and how much you’re currently paying.

Your declarations page also might contain contact details for your agent, information about your premium payment schedule and names of any drivers specifically excluded from the policy.

Whenever you compare car insurance quotes, it makes sense to keep a copy of your declarations page nearby.

Homeowners insurance declarations page

A homeowners insurance declarations page is similar in layout to an auto insurance dec page. You’ll see details about your policy such as who and what’s covered. You’ll also see your premium and any discounts you’ve received.

You homeowners declarations page will include an overview of:

  • When the policy is in force.

  • Which property is covered.

  • What your coverage limits are.

  • How much your deductibles are.

  • The amount of your premium.

  • Any discounts you’re receiving.

  • Any additional coverage options.

Your additional or optional coverages might be spelled out in a section called “Forms, Options and Endorsements.” This is another way of saying “riders,” which is just an insurance term for options. For example, if you added a rider to your homeowners policy for jewelry coverage, it might show up under an endorsements heading.

On a homeowners insurance dec page, you’re only going to get an overview of your policy. The details of coverage and your limits are spelled out in detail elsewhere. If you need to know about specifics, flip forward to the pages of your policy that look like legal documents.

Your homeowners declarations page will also often include contact information for your insurer and details about your mortgage, if you have one.

Renters insurance declarations page

The declarations page for renters insurance looks very much like a homeowners dec page. The main difference is in the types of coverage you’ll see and the lack of any mortgage details.

A renters insurance declarations page will cover:

  • When the policy is in force.

  • What your personal property limits are.

  • What your deductible is.

  • How much your premium is.

  • Any discounts you’re receiving.

  • Any additional coverage options.

The main difference between renters and homeowners insurance is that renters insurance covers the stuff in your rental, like your clothes, furniture and electronics but not the property you live in. Landlords will have insurance to cover the building in case of fire or another catastrophe.

Renters insurance also covers you for any damage you might cause to the property or to people on the property.

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