Your declarations page includes many details about your insurance policy, including your name, address, policy endorsements, and limit for each overage. The declarations page is often referred to as the 'dec page'!
The remaining information on your dec page depends on the policy type (auto, homeowners, BOP, GL, etc) and your options. Here is the basic information you'll find in each.
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, login into your online account with your carrier or call our insurance company to request a copy.
When would I need it?
The dec page comes in handy when filing a claim. With it, you can confirm many of your coverage 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 dec page is a great resource for quick, up-to-date information on your insurance policy.
At Block, we like to say, the more you know about your coverage, the better off you are!
By Whitney Guiltner