What is an Auto or Home Insurance Declaration Page?

Definition and Examples of an Insurance Declaration Page

The insurance declarationpageis part of your insurance policy. It comes at the front of your paperwork. It sums up the key data about your insurance.

For example, you would receive a declarations page when you buy a new car insurance policy.

  • Alternate name: Policy declarations page, declarations page
  • Acronym: DEC page, dec page

How Do I Find and Use My Insurance Declaration Page?

As soon as you take out a policy, your insurer should email you an insurance binder, which serves as a temporary copy of your declaration page. Review the declaration page in the binder to confirm your coverage information and use it as temporary proof of insurance if you need to register your car or you get into an accident. In addition, they’ll mail you a paper copy of your policy within a few business days. The declaration page is typically near the front of your insurance packet and will include all of the information above.

Immediately after you receive your new home or auto insurance policy, verify that the information on the declaration page is correct. Common errors include misspellings of the name or address of the insured, but check for more significant errors as well. You don’t want to find out, after filing a claim, that you don’t have the coverage you thought you’d signed up for, or that you have a higher deductible than you expected.

If you experience a life change that would affect your insurance policy, be sure to notify your insurance provider. They will then send an updated declaration page.

For example, if you pay off your mortgage, this milestone might reduce your homeowners insurance premiums, so you should notify your insurance provider and make sure no mortgage is listed on your new declaration page. Likewise, if you’ve finished paying off your car, you should notify your auto insurance provider. Make sure you receive an updated declaration page that doesn’t list any lienholder (as well as a lien-free title from the lender). That way, if you damage your vehicle, your insurance company will write you a check and not the lender.

As when you experience a life change, changes you make to your policy should also initiate a new declaration page. For example, if your premiums increase due to a claim, or if you add a child to your insurance policy, you should expect a new policy and declaration page to be mailed to you.

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What Does an Insurance Declaration Page Cover?

An insurance declaration page will sum up the key data from your policy. This should include:

  • The policy number
  • Name and address of the policyholder 
  • Who and what is covered
  • The insurer name, address, and contact info
  • What type of coverage the policy includes 
  • Limits and deductibles
  • Endorsements
  • How long the policy is valid for
  • Discounts and surcharges
  • Cost of the insurance, often divided into payments
  • Other named insureds, such as banks
  • Limits of liability

Many declaration pages will also include the process of how to file a claim. If this is not on the dec page, it should be listed in a separate part of your paperwork.

Where Can I Get an Insurance Declaration Page?

If you have coverage through the AARP Auto Insurance Program from The Hartford, you can contact us to request a declaration page. We know your time is valuable, so you can get a copy of your declaration page:

What isn’t included on your insurance declaration page

While your declaration page is a quick way to check out what all your policy entails, it’s not nearly as extensive as your actual policy documents. Your policy breakdown will include a lot of information that your declaration page lacks. The following list breaks down what isn’t included on your insurance declaration page:

When you receive these documents, it’s important to read them thoroughly to ensure that you’re getting exactly what you requested in your policy. This will help prevent any mistakes from slipping through the cracks and make sure that your money is going towards the protection that you planned for.

What your insurance declaration page doesn’t cover

Your insurance declaration page is designed to be easy to read and accessible so you can see the most important parts of your coverage. This page can include what’s part of your policy but may not outline what’s not covered and may not provide further definitions of the terms listed. If you have questions, you can contact your insurance provider directly or look at the rest of your insurance paperwork. 

Insurance Declaration Pages for Other Policies From The Hartford

Insurance declaration pages aren’t just for car insurance. You’ll get a declaration page for other types of insurance, such as:A homeowners insurance declaration page, as well as other insurance declaration pages, will include the same type of policy information that you can find on your car insurance information page.

What’s a homeowners insurance declarations page?

If you’re looking for a general overview of your homeowners insurance coverage, your home insurance declarations page is the place to go.

Your homeowners policy declarations page will typically contain the following information:

How to get an insurance declarations page

Your insurance company will usually send your insurance declarations page automatically as soon as you sign up for auto or home insurance. You’ll find it at the beginning of your policy documents, which you may receive by email, fax, or regular mail. It’s also becoming more common for insurers to make your declarations page available online through a web portal.

Progressive makes it easy for both new and existing customers to review their declarations page by contacting a representative, your agent, or accessing your policy online.

New Progressive customers

Progressive will make your insurance policy documents, including your declarations page, available as soon as your policy is issued. These can be sent via email or regular mail.

Current Progressive customers

You can access your policy documents anytime by logging in to your account or downloading the Progressive app.

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