What Is a Declarations Page?
Your declarations page includes many details about your insurance policy, including your name and address, the policy endorsements, and limit for each coverage. The declarations page is often referred to as the "dec page."
The remaining information in your declarations page depends on the policy type (auto or homeowners) and your options. Here is basic information you'll find in each.
Auto
- Named Insured(s)
- Policy Number and Policy Period
- Covered Vehicle Information
- Garaged location
- Deductibles
- Premium
- Endorsements
- Name of the Lienholder, Lender, or Loss Payee, if applicable
Homeowners
- Name Insured(s)
- Address of Property
- Type of Homeowners Insurance (HO-3, HO-5)
- Deductibles
- Premium
- Endorsements
- Mortgage Holder
- Policy Effective Date
Where can I find my declarations page?
The declarations page is usually the first page of your insurance policy. If you can't find or access your policy packet, log in call your insurance company to request a copy.
When would I need it?
The declarations page comes in handy when filing a claim. With it, you can confirm many of your coverages, limits, and deductibles.
When you're purchasing a home or auto, your lender will require proof of insurance. Your dec page is an official document and verifies your coverages, limits, and the insured(s) named in the policy. It will be updated when changes are made during your policy term. For example, if you add an endorsement, your insurance company will update the dec page and send you a revised copy.
A declarations page is a great resource for quick, up-to-date information on your insurance policy.
