Does my homeowners insurance declaration page contain information about all of my different types of coverage?

If you have different types of insurance coverage, you won’t find information about those policies on your homeowners insurance declaration page. Instead, each policy that you have will have its own declaration page. For instance, if you have auto and homeowners insurance through the same insurance company, you’ll receive separate documents for both. Additionally, your dec page may not include optional add-ons you’ve purchased such as earthquake coverage or a sewer backup rider. Your declaration page is more of a quick reference summary than an extensive overview of every detail of your plan.

Where can I get my homeowners insurance declaration page?

Your dec page will be provided to you by your insurance company. It is typically the first page of your full homeowners insurance policy. If you can’t find your dec page, contact your insurance company to have them mail you a physical copy or email you a PDF. Depending on your insurance company, you may be able to access your declaration page through your carrier’s website or app.

When will I need my homeowners insurance declaration page?

Your insurance declaration page is especially helpful as a reference as you’re filing a claim or looking to see if something specific is covered and what it might cost you. When your policy is up for renewal, having this document handy helps you re-shop for homeowners insurance and compare your policy with the rates and coverage of other companies. This is especially important if you’re looking to change your homeowners insurance provider.

Is a declaration page the same as proof of insurance?

Yes, your homeowners insurance dec page also serves as proof of insurance. Typically, mortgage companies require homeowners to provide a declaration page as proof of insurance about once a year. If you don’t provide this proof of insurance, some lenders might choose to purchase homeowners insurance in your name, which can be costly and might not be as comprehensive as you might like. This is another great reason to be sure that your homeowners insurance is up to date.

Homeowners Insurance Declaration Page: Defined