Reading Your Declarations Page

What Is a Declarations Page?

The declarations page (or "dec page") is the summary page of your homeowner's insurance policy. It contains the most important information about your coverage in a condensed format.

Key Sections to Review

1. Named Insured

The person(s) listed as the policyholder. Claims should be filed by the named insured.

2. Property Address

The physical location of the insured property. Verify this matches your home address exactly.

3. Policy Period

The dates your coverage is active. Claims must occur during this period to be covered.

4. Coverage Amounts

Coverage A - Dwelling

The maximum amount for damage to your home's structure, including the roof.

Coverage B - Other Structures

Covers detached structures (shed, fence, detached garage).

Coverage C - Personal Property

Covers belongings inside your home.

Coverage D - Loss of Use

Covers additional living expenses if you can't live in your home.

5. Deductibles

Look for:

• All Other Perils (AOP) deductible
• Wind/Hail deductible (may be separate)
• Hurricane deductible (coastal areas)
• Named storm deductible

6. Coverage Type

Look for indicators of:

• "RC" or "Replacement Cost" = RCV coverage
• "ACV" or "Actual Cash Value" = ACV coverage
• May vary by coverage type (A, B, C, D)

7. Endorsements and Exclusions

Additional coverages or limitations, such as:

• Ordinance or law coverage
• Water backup coverage
• Cosmetic damage exclusion
• Roof replacement schedule

Where to Find Your Dec Page

• Email from your insurance agent or company
• Online account portal
• Original policy documents
• Request from your agent

Review Checklist

• Correct property address
• Adequate dwelling coverage
• Understand your deductible(s)
• Know your coverage type (ACV vs RCV)
• Review any endorsements or exclusions
• Check for roof-specific provisions

Key Takeaways

• The dec page summarizes your entire policy
• Deductibles and coverage types are clearly listed
• Review it annually at renewal
• Keep a copy accessible for claims