What Is an Insurance Declaration Page?
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Purchasing insurance can give you peace of mind in knowing your assets are protected. When your policy takes effect, you’ll receive a multi-page document that outlines the key details of your coverage. It can be overwhelming to review all that information, but here’s a hint—the key points are summarized on the first page. Learn what a declaration page is and why it is useful.
What is an insurance declaration page?
An insurance declaration page is the first page of your insurance policy documents for any type of insurance. It includes the more important and relevant information that policyholders need to know in the event of a covered loss. Before you file a claim, reviewing your policy declaration page will tell you what is and isn’t covered, what type of policy you have and your coverage limits.
The declarations page is sometimes referred to as the DEC page. You can think of it as a one-stop-shop for all things related to your insurance policy. If you have questions about your coverage, you can likely find the answer by looking at the declaration page. Keep in mind that your DEC page might be several pages long, but it will always be at the front of your policy documents.
What’s on an insurance declaration page?
The insurance declaration page includes a wealth of important information about your insurance policy. Everything like your policy number, deductible and discounts are listed on the document. Most declaration pages have a similar layout, so you can expect an auto insurance declaration page to have the same kind of information as a homeowners declaration page. Despite the volume of information, declaration pages are generally easy to read. Here is the information you will find on your insurance declaration page:
- Insurance policy number: Your insurance policy number can usually be found in the upper right corner of the DEC page. You’ll need to provide your policy number to file a claim.
- Name and address of the policyholder: Your name and address are listed on the policy. For a homeowners insurance declaration page, it will also include the covered home’s address.
- Who the named insured’s on the policy are: Your name will be included here. If you live with an unmarried partner or non-blood relative, they will also be listed here.
- The insurance company name, address and contact information: You can use the insurance company’s contact information to file a claim.
- Information needed to report a claim: In the event of a covered loss, you can find the instructions for filing a claim on your DEC page.
- Identification of the insured property: Whether you’re insuring a home or vehicle, a description of the insured asset will be included on the declarations page.
- What coverages are included: Your DEC page will list the coverages included in your policy. However, this section will not include endorsements or add-on policies.
- What type of coverage the policy is for: For homeowners insurance, the declaration page will include the type of policy you have, such as HO-3. For an auto insurance declaration pace, you’ll find the type of coverage, such as whether it’s a car or RV.
- Policy limit: Your policy’s coverage limits will be found on the DEC page. You’ll also find the limits for each specific coverage type.
- Deductible: The insurance declaration page will include your deductible.
- Endorsements with limits and deductibles: If you have endorsement policies, you’ll find that information on your DEC page along with the deductible and limit.
- The policy effective date and expiry date: The policy effective and expiration date can be found near the top of the declaration page.
- Discounts and surcharges: If any discounts or surcharges have been applied to your policy, you will find those details toward the middle or end of the DEC page.
- Policy rating information: Your policy’s rating information can be found on the DEC page.
- Premium: Your insurance premium will be listed towards the top of the policy declaration page.
- Additional named insureds: If anyone else is living in your home, they will be listed here. Unlike named insureds, additional named insureds aren’t responsible for paying the insurance premium.
- Limits of liability: This section includes your policy’s limits specifically for liability coverages.
Is the insurance declaration page important?
For policyholders, the insurance declaration page is their most important insurance document. The DEC page includes key details about claims information, coverages, policy limits and premiums. Before filing a claim, policyholders should review their declaration page to determine what is and isn’t covered.
The page directly following the DEC page—the policy wording page—is also critical. You can think of the policy wording page as the terms and conditions of your insurance policy.
This document defines the terms listed on the insurance declaration page and explains how the terms apply in a covered claim.
The policy wording page is often more confusing to interpret than the declaration page. However, it’s still important to be familiar with your policy’s terms. If you have questions about your policy’s wording, an insurance agent can walk you through the document.
Tips for checking your insurance declaration page
When you first purchase a new insurance policy, it’s a good idea to make sure the information on the declaration page is correct. If you have an existing policy, it’s still beneficial to review the information listed.
Specifically, ensure that your name, the named insureds and the additional named insureds are listed. If people move in or out of your home, contact your insurance company to have the information updated.
Also, check that the coverage type, coverage amount and discounts are all listed accurately. When it comes time to renew your insurance policy, compare the new DEC page to the old one. If nothing has changed, make sure the information is the same. If there are changes (i.e. you paid off your mortgage), check that the information has been updated.
- Your DEC page includes key information about your insurance policy.
- Review your declaration page before filing a claim.
- Check your policy wording page for the exact terms of your policy.
- When you renew your policy, compare the old and new DEC pages to ensure the information is accurate.
The insurance declaration page is a valuable document for policyholders. It provides the most important information about your policy and your coverages. If you have a question about your policy, the answer can most likely be found on the DEC page.
Before you file a claim, read your DEC page thoroughly. You should also read your policy wording page to understand the conditions of your policy’s terms. By doing so, you’ll be familiar with the protection your insurance gives you.