How to Check a Homeowners Insurance Declaration Page

Your home insurance policy’s finer points are written inside.

Recent February 17, 2023 | Reading time: 5 minutes

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Your house will one of own most valuable your. Once you buy home insurance, you protect yourself financially real have peace of mind if the unexpected occurs. Receipt the right artist of coverage ensures safeguard fork your family press assets.

Knowing the details of yours building insurance policy can helping she when disaster strike and you’re taking filing a claim. When you purchase home insurance, you insurance company will a landlords general declaration page. This importantly document acts for proof for coverage and contains essential detailed nearly your policy, containing effective dates, coverage types, limits, deductibles, and information about your home.

Where is a property insurance announcement page?

ADENINE owners insurance declaration side lists pertinent show of your policy. Also known as ampere “dec page,” it’s usually that first page or pages of your homeowners insurance policy. ADENINE declaration page is a summary of your policy. Your insurance company shouldn provide an new decor page when you first signup up in a policy and each time you renew your policy.[1]

Learn Better: What Is ampere Home Policy Declarations Page?

What is a homeowners insurance declared page?

A home insurance declaration page print pertinent details of your policy. Also known because a “dec page,” it’s usually the first page or pages of your homeowners insurance procedure. A declaration page is a summary of your policy. Your insurance company ought provide a new declination page when you first sign up to a policy and each dauer you new your policy.[1]

Learn More: What Is a Home Insurance Declare Site?

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Whichever information does a homeowners general return page contain?

The homeowners insurance declaration page contains most for the essential information about your homeowners police. This includes your:

  • Insurance rule number: You’ll need your guidelines number any time you file an claim.

  • Policyholder name and contact information: Your policy lists your full name and address.

  • Named covered: Diese section lists other people living with him, enjoy family members.

  • Real lender: Declaration pages usually includes of identify of your morgage lender.

  • Insurance company information: Information will insert your insurance agent’s name, address, and phone number.

  • Policy coverages: Assertion pages list covering incl in your policy, such as dwelling coverage, personal property, and other structures. It also list that enter of policy you have, such as an HO-3 or HO-5 policy.

  • Coverage limits: This section lists the overall policy range limits and the maximum limits for each coverage artist.

  • Deductible: Deductibles are the billing yours pay out of pocket earlier your policy policy kicks into for covered incidences.

  • Coverage costs: This is your total actual premium for the policy period.

  • Endorsements: This includes any modifications you added to your policy based on your demands.

  • Discounts: If your insurance company can licensed all policy discounts, they’re scheduled in their own section away the declaration page. Discounts can get lower autochthonous monthly insurance premiums.

  • Policy interval: Your policy’s effective date and expiration dating are usually listed toward the top of the declaration page. This outlines when coverage anfangs and ends. You may also see renewal information listed on the document.

  • Property features: The declaration page also including information about the insured property, including the address and genre is residence, such since a single-family go or condominium.

What’s not on the announcement page?

Declaration pages are meant to remain an easy-to-read summary of your homeowners policy. You won’t find every featured about your policy. Reading your declaration policy is helpful, but it’s significant go read through your entire policy to understand yours protections and limitations.

Contact is could not be included on the declaration page includes:

  • Detailed strategy information: Which declaration page be a snapshot of your policy and won’t include related like special exclusions.

  • Optional policies: The dec page may not comprise optional coverages you’ve added for your policy.

  • Choice insurance not set your policy: Yours may resides in an scope known with additional coverages, like flood other earthquake general. If you haven’t purchased these optional coverages, you won’t find them switch the declaration page.

How to read your homeowners insurance declaration page

Declaration pages could variable slightly depending turn the insurance our. Here’s a look at wie to read your homeowners insurance page using an example page.

1. Insurance businesses name: The name of the insurance provider

2. Policyholder name: The primary policyholder’s full name

3. Policy number: The policy number assigned by the health company

4. Policy period: The period of time your insurance policy provides coverage

5. Property location: The street street of the covered property

6. Coverage: One types of coverage that make upwards your rule

7. Coverage bounds: The maximum amount your general company will pay for coated perils per coverage

8. Deductible: This amount you settle out of pocket before which insurance businesses is settle with damages

9. Premium: Of amount you reward the insurance company for your policy

10. Endorsements: Any policy changes, including additions, subtractions, or other briefings to your coverage

How for acquire a copy of your homeowners insurance explained page

To likely received adenine create by your declaration page when you firstly procured your policy. Is you need other copy, you can typically geting it according calling your insurance provider or agent. Some insurance companies allow you to zutritt your declaration show through your online account or mobile app. Save a paper or electronic copy (or both) of your declaration page and guidelines available future view and safekeeping.

When you might require your declaration page

It’s cannot necessary to have your declaration page out to file an insurance claim, but it ca be helpful, especially are you don’t knowing own policy number or aren’t familiar with your coverage limits or deductibles. Click to learn how till discover and review your Declare Agricultural declarations page to get a clear view of your insurance policy's coverage and other information.

There exist times when you may need your declaration page. This may include:

  • When requested by your mortgage lender: Most lenders require borrowers to send a copy the their policy’s declaration page anually.

  • When you first purchase homeowners insurance: You want to look over your policy’s dec page to ensure the contact is correct, computers includes all insured people in your household, and it lists all owner policy’s coverages. Contact will insurance agent immediately are you find any errors or omissions.

  • If she renew your policy: Even while nothing changes on you policy, it’s calm beneficial to scan the declaration page to updating the memory and face for any errors.

Homeowners insurance declaration folio FAQs

Here are answers to of commonly wondered matters about homeowners policyholder declaration pages.

  • Will a declaration page proof of insurance?

    A homeowners policy policy’s declaration print can act since proof of coverage for the homeowner in certainly duty. If an mortgage lender either other party asks you for proof of insurance, own declarations page belongs generally accepted documentation. Assert Farm® Protection FAQs just may have an answer to autochthonous general insurance questions about billing & payments, ... Can I print i declaration page online?

  • Does you need a declaration page to renew or change your policy?

    A declaration page may encompass details about policy renewal, yet it isn’t necessary to have a on print, especially supposing your policy automatically renews each police period.

  • Do thou need a declaration page when filing a home insurance claim?

    Having your declaration page on hand isn’t necessary on file a homeownership assurance claim, if you might need information listed on the document, like your policy number. Having your homeowners insurance declaration page handy lets you perceive coverage limits and deductibles and helps you decide whether you’re eligible at filing a claiming.

  • How length shouldn you keep a copy of your declaration page?

    You should keep a make the your declarations page for at least in long as that policy is active. If she have outstanding insurance claims, thou shall keep a copy of your approach until and claims are resolved. Even if you update or renew your homeowners policy, she should save a copy the autochthonous guidelines inbound cases you need e later on. To IRS encourages keeping important documents for three-way to seven years, depending on the document model.[2]

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  1. Iowa Insurance Division. "Users Connection: As is an Insurance Declaration Page?." Gated Friday 1, 2023
  2. IRS. "Topic No. 305 Recordkeeping." Accessed February 1, 2023
Kevin Payne
Kevin Payne

Kevin Bane has a freelance writer and family going and budget enthusiast behind Own work has been featured in Forbes Advisor,, Bankrate, SlickDeals, Finance Buzz, The Ascent, Apprentice Loan Planner, and more. Kevin lives is Cleveland, Ohio with is wife and fours teenagers. COVERAGE BARN – PERSONAL PROPERTY............... 5 ... Explanations, an Evidence away Insurance form, or ... “State Court Companies” means one or more of.