What Is an Insurance Declaration Page?

Definition & Examples of Insurance Declaration Page

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An insurance declaration page is a summary of what is contained in an insurance policy. It comes at the start of policy paperwork and contains important information such as your deductible, policy effective dates, coverage, discounts, and more.

Learn what should be included in an insurance declaration page and how to check yours for errors.

What Is an Insurance Declaration Page?

The insurance declaration page is a document that forms part of your insurance policy. It comes at the front of your policy paperwork and summarizes the most important information about your insurance.

An insurance declarations page may not necessarily a single page. Depending on the details of your coverage, it may span several pages.

You should receive a new declarations page every time you purchase or renew an insurance policy.

Alternate name: Policy declarations page, declarations page

Acronym: DEC page, dec page

How an Insurance Declaration Page Works

The insurance declaration page is part of your insurance policy. You will receive it once your insurance policy is issued, after the binder of insurance. It should represent the same information that was sent to you on the binder of insurance.

The binder of insurance is a temporary document that outlines your coverage. It can be shown as proof of insurance until you receive your official policy documents, including your DEC page.

The insurance declaration page is an important part of your insurance policy because it shows:

  • The main coverages that lead to how a claim will be paid 
  • What the limits are for each section of the policy
  • The premiums charged for the coverage you have purchased
  • Who is insured and what property is covered

The declaration page is followed by the policy wording, which defines the terms on the DEC page and how they apply in a claim. The policy wording will help you understand what each section of your insurance policy means and how it applies to your property.

The insurance declaration page contains all the important information regarding your insurance contract, including what or who is covered, the type of coverage, how to file for a claim, how much coverage is provided, and other details. You should review the declaration page in detail to make sure everything is correct.

Common problems found on insurance declaration pages may include:

  • Clerical errors, such as a misspelled name or incorrect address
  • Incorrectly listed type of coverage (for example, a named perils policy instead of an open perils policy)
  • Incorrect deductibles
  • Incorrect coverage amounts
  • Missing endorsements or riders
  • Missing discounts or incorrect pricing

Everything you asked for or agreed to when accepting your new policy should be visible on the declaration page. Any incorrect information can make it difficult or impossible to successfully file an insurance claim. If you find any errors, contact your insurance agent to have them resolved.

Once you are done reviewing your policy, you should keep your insurance declaration page in a safe place, as it is part of your insurance contract.

What Does An Insurance Declaration Page Cover?

An insurance declaration page will summarize the most important information from your policy. This should include:

  • The insurance policy number
  • Name and address of the policyholder 
  • Who and what is covered
  • The insurance company name, address, and contact information
  • 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 premium payments
  • Additional named insureds, such as mortgagees, leasing companies, banks, or any other person who has an insurable interest in the property
  • Limits of liability

Many declarations pages will also include information on how to file an insurance claim. If this information is not on the declarations page, it should be listed in a separate part of your policy paperwork.

Key Takeaways

  • An insurance declaration page is a summary of what is contained in an insurance policy.
  • It comes at the start of policy paperwork and contains important information such as your deductible, policy effective dates, coverage, discounts, and more.
  • You should check your declarations page for errors in your policy or coverage as soon as you receive it. Unresolved errors may make it difficult or impossible to successfully file an insurance claim.

Article Sources

  1. Texas Office of Public Insurance Counsel. "What Is a Dec Page." Accessed Oct. 2, 2020.

  2. IRMI. "Binder." Accessed Oct. 2, 2020.