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What Is an Insurance Declaration Page?

What Is an Insurance Declaration Page? - An insurance declaration page provides an overview of your insurance policy. It’s the first document you’ll see when you start your paperwork. It outlines things like your deductible, coverage, and discounts.

What Is an Insurance Declaration Page?

Also Read: What Is Insurance

An insurance declaration page is a document that lists the details of an insurance policy. you should review it to make sure the information is correct and up-to-date. The declaration page is also used to file a claim.

What Is an Insurance Declaration Page?

An insurance declaration page is a document that lists all of the pertinent information about an individual's insurance policy. It includes the name of the policyholder, the contact information for the insurance company, the name of the agent, as well as the specifics of each type of coverage that is included in the policy. The declaration page also outlines any deductibles or limits that are associated with each type of coverage.

Definition and Examples of an Insurance Declaration Page

The insurance declaration page is an important part of your insurance policy. It’s the first thing you see when you open your paperwork. This document summarizes all the important information about your coverage.

For example, if you buy a new car insurance policy, you would receive a declarations page.

  • Alternate name: Policy declarations page, declarations page
  • Acronym: DEC page, dec page

How Does an Insurance Declaration Page Work?

You will get the insurance declaration page once your policy is issued. It comes after the binder of insurance. It should have the same data that was sent to you on the binder of insurance.

You should get a new homeowners insurance policy every time you buy or renew a policy. Details of your coverage may vary, so it's best to consult your agent to find out how long your policy will be.

Note: A binder of insurance is a document that shows your insurance coverage. It can serve as proof of insurance until you receive your policy documents, which will include your dec page.

The dec page is a key part of your policy. It shows:

  • The main coverages that lead to how a claim will be paid 
  • What the limits are for each section
  • The premiums charged
  • Who is insured and what is covered

Review your contract’s dec page for all the key info. This includes what or who is covered, how to file for a claim, and other details. Make sure that it is correct so that you know what to do in case of an emergency.

Some common problems that may be found on insurance declaration pages include:

  • Incorrect coverage information
  • Incorrect policy number
  • Missing or incorrect contact information
  • Incorrect spelling of policyholder's name
  • Invalid dates of coverage
  • Incorrect deductibles
  • Incorrect coverage amounts
  • Missing riders
  • Missing discounts

When you accepted your new policy, you agreed to all the terms and conditions listed on the dec page. If you find any errors, please contact your agent so they can be fixed. Failing to do so could make it difficult to file a claim if needed.

Keep your policy and dec page in a safe place once you are done reviewing them. They are part of your contract.

Note: After the declaration page, you’ll find the policy wording. This is where the terms on the dec page are defined and how they apply in a claim. The policy wording will help you understand what each section of your policy means. It will also tell you how it applies to your property.

What Does an Insurance Declaration Page Cover?

Your insurance declaration page will summarize your policy information. This should include: 

  • The policy number
  • Name and address of the policyholder 
  • Who and what is covered
  • The insurer name, address, and contact info
  • What type of coverage the policy includes 
  • Limits and deductibles
  • Endorsements
  • How long the policy is valid for
  • Discounts and surcharges
  • Cost of the insurance, often divided into payments
  • Other named insureds, such as banks
  • Limits of liability

There is usually information on how to file a claim on declaration pages. If there is no information on the dec page, it will be listed in a separate part of your paperwork.

Why Do You Need an Insurance Declaration Page?

Some insurance policies require you to keep your declaration page on hand. Having it available can help you resolve any issues that come up.

When shopping for insurance, it’s helpful to have your dec page on hand. This way, you can compare different products and find the best coverage for you. Plus, when switching insurers, your new company will want proof of your current coverage.

If you have a loan on any property that's insured, the lender may require a copy of the dec page. The dec page has information like what and how much coverage the property has, as well as who is listed as loss payee and/or additional insured on the policy. If you have a mortgage, your homeowners insurance company may also require a copy of the dec page.

Your insurer may be the one who sends your declination page to the lender. However, if it gets lost, you will need to provide a copy.

Key [ What Is an Insurance Declaration Page? ]

  • An insurance declaration page is a document that summarizes an insurance policy.
  • The insurance policy’s declaration page is an important part of your paperwork. It contains information such as your deductible, coverage, and discounts.
  • Make sure to check your dec page for errors as soon as you get it. Errors can make it hard to file a claim.
  • You may need to show this page to your lender as proof of insurance.