What is a Declaration Page (Dec Page) in Home Insurance?
In homeowners insurance, your declaration page is equivalent to your proof of insurance. The declaration page is a PDF that provides a summary of the coverages, terms, and limits included in your insurance contract. It should include your policy number, effective date, expiration date, premium and the six most significant coverage limits in your homeowners policy are Coverage A - F:
- Coverage A: Dwelling
- Coverage B: Other Structures
- Coverage C: Personal Property
- Coverage D: Loss of Use
- Coverage E: Personal Liability
- Coverage F: Medical Payments
Additionally, there are deductibles and sometimes even discounts listed on your declaration page. Common deductibles include:
- AOP - All Other Perils Deductible
- Wind Deductible
- Hail Deductible
- Named Storm Deductible
- Hurricane Deductible
- Water Damage Deductible
- Water Backup Deductible
- Earthquake Deductible
- Flood Deductible
Finally, your declaration page will include specific endorsements or exclusions in your policy for perils like mold remediation, water backup, or scheduled jewelry.
Can't find your declaration page?
Try logging in to your online account or emailing your insurance agent for a copy. Interested in comparing your declaration page of coverages and price to other options available in the market? Look no further:
Compare Home Insurance Coverage
At your service,
Young Alfred