By: Nicole Vattimo
If you are asking: What is my policy declarations page and what can I find there? This post is for you!
The declarations page of your policy is where you will find much of the pertinent information about the insurance policy. It provides information about the insured (that's you), the policy, and the insurance company.
Usually at the top of the page, your name and address is listed, along with your policy number, the dates of the policy period, and your agent's name and contact info.
Moving down the page, you will see a description of the vehicle(s) or property being covered.
An auto declarations page provides the make and model, VIN, and usage info (i.e. pleasure, work commute, etc) for all vehicles on the policy. You will also see a listing of the drivers included on the policy. Along with this info, your auto coverages, the cost of those coverages, and any deductibles will be given for each vehicle.
On a property declarations page, you will see a description of the property, the estimated replacement cost of the dwelling, and the amount of insurance provided for the dwelling, other structures, and personal property. The declarations page will also provide the amount of liability coverage provided, and any deductibles that apply to the policy.
In addition to information about the vehicle(s) or property being insured, the declarations page will list your total policy premium, and will usually list any discounts and/or endorsements you may have.
Because of all the information it provides, the declarations page is typically where you will look to answer questions about your coverages or the costs of those coverages. However, always contact your insurance agent for detailed information about your policy, or to help you with any questions you may have.