What is a homeowners insurance declarations page?

It’s a one- to two-page summary of your homeowners insurance policy. It lists basic policy info, coverage types and amounts, and how much it all costs.

Pat Howard 1600

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Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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Your homeowners insurance declaration page (or “dec page”) is a brief document that summarizes key information about your policy, including:

  • Address and contact information for you, your insurance company, and anyone else with an insurable interest in the property, like your mortgage lender

  • The type and amount of coverage in your policy

  • Your annual premium and policy deductible

Homeowners insurance declaration page example

sample-homeowners-insurance-declarations-page@2x

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What’s included on your homeowners insurance declaration page?

Your home insurance dec page highlights the who, what, where, when, and how much of your policy. If you need your policy number to file a claim, coverage amounts to reference when applying for a new policy, or you simply want to get in touch with your insurance company, you can find it all right there on your declarations page.

  1. Who: The named insured, which would be you or any household resident covered under the policy. The name and contact information of your insurance agent and mortgage company will also be listed.

  2. What: Information about the policy itself, such as your policy number and the type of coverage being provided.

  3. Where: The address of the property being insured. That means your house and any additional properties covered under the policy.

  4. When: The effective and expiration dates of your policy. These are the dates your policy starts and ends.

  5. How much: The limits of liability (aka coverage amounts) for each type of coverage, as well as your annual premium and deductible.

For info about what is and isn’t covered, read the fine print of your policy

Your home insurance dec page is a high-level overview of your policy details and coverage. While it explains the type and amount of each coverage, it typically doesn’t specify the types of damage or losses you’re covered against. You’ll need to check your actual policy or contact your insurer to see if your policy covers a specific incident.

How to read your homeowners insurance declaration page

A standard homeowners insurance declaration page consists of roughly 10 sections. We broke down each of them to help you better understand what everything means.

Policy period

One of the first things listed is your home insurance policy period, which is the period of time your policy is in force. The effective date is the start of your policy, and the expiration date is the last day your coverage is active. 

If your insurance company renews your policy, it’ll likely send out a renewal notice 60 days before your expiration date.

Policy number

Your policy number is also listed at the top of your home insurance declarations page. You’ll likely need your policy number to sign into your account online or to file a claim.

Location of property

This is the address of the house you’re insuring. If you have a blanket policy with multiple insured properties, those will also be listed in this section.

Insurance agent

The name and contact information of your insurance agent. If you need to update or cancel your policy, this is who you contact.

Mortgage company

Since your mortgage lender has an insurable interest in your home, it’ll likely be listed as a loss payee on the policy. This means if you file a claim, make changes to your policy, or your policy lapses due to missed payments, your insurance company will notify your lender. 

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Coverage types and amounts

Your dec page also has a section summarizing the six main home insurance coverages and the limit of liability for each of them. This is the maximum amount the insurance company will pay out on a claim for any individual disaster or incident. 

For example, if you have $300,000 in dwelling coverage, then that is the maximum amount your insurance will pay out for damage to your home.

Section 1: Property 

  • Coverage A: Dwelling. Covers your home’s structure, roof, and built-in appliances or structures like your water heater and countertops.

  • Coverage B: Other structures. Covers detached structures on your property like your garage, shed, deck, fence, or pool.

  • Coverage C: Personal property. Covers your personal belongings, like your furniture, electronics, jewelry, clothes, and kitchen appliances.

  • Coverage D: Loss of use. If your home becomes unlivable because of property damage, this coverage compensates you for temporary lodging and any additional living expenses you incur.

Section 2: Liability

  • Coverage E: Personal liability. Covers your legal expenses if you or one of your dependents is held liable for bodily injury or property damage to someone else.

  • Coverage F: Medical payments to others. Covers minor injuries to guests if they get injured on your property and require medical treatment. This is a form of no-fault coverage, meaning it will cover injured guests regardless of who was at fault.

Endorsements

Optional coverage add-ons are also included on your dec page. Some common home insurance endorsements are:

Total premium 

This is the amount you have to pay to keep your homeowners insurance active. Most dec pages will also itemize the premium for each coverage type, giving you an idea of what it is you’re paying for. 

Deductibles

Your deductible is the amount you have to pay out of pocket before your insurance kicks in to cover a claim. Your deductible may be listed as a fixed amount, like $1,000, or a percentage, like 2% of your home’s insured value. If your policy has a separate deductible for windstorm or hurricane damage, it will likely be listed as a percentage.

Discounts

The discounts section lists any credits or discounts being applied to your annual policy premium. Common discounts include:

  • Protective devices discount: If you have a security system, centralized fire alarm, or storm-proof windows or doors, you may get a protective devices discount.

  • Claim-free discount: Rewards you if you haven’t filed a claim in the last five years.

  • Bundling discount: If you buy your car insurance and homeowners insurance through the same company, you’ll typically get a bundling discount.

  • Loyalty discount: If you’ve been insured with the same company for a certain number of years, you’ll save on premiums.

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How to get your homeowners insurance declaration page

After you purchase home insurance and go through the underwriting process, your insurer will likely make your dec page and policy available to you. If you don’t have a declaration page, contact your insurance company to see if they can send you a physical or digital copy. You may also be able to access your dec page online through the carrier’s website or app.