Insurance Basics
What is a declarations page in insurance?
The dec page is the one document every policyholder should actually read. Here is what it contains, what to look for, and why it matters.
Get a QuoteCall (919) 249-8448What a dec page contains
The declarations page is the summary document that comes at the front of any insurance policy. It puts the most important information in one place so you don't have to read the entire policy to understand your basic coverage.
A home insurance dec page typically includes:
- Named insured, who the policy covers
- Policy period, start and end dates of coverage
- Coverage A (dwelling), the amount your home is insured for
- Coverage B (other structures), detached garages, fences, sheds
- Coverage C (personal property), your belongings
- Coverage D (loss of use), temporary housing if your home is uninhabitable
- Coverage E (liability), protection if someone sues you
- Deductible, what you pay before coverage kicks in
- Premium, your annual cost
- Endorsements, any add-ons or policy modifications
Cooper's take
The declarations page is the one document every policyholder should actually read. It summarizes everything that matters: what you're covered for, how much, and what you're paying. Most people set it aside with the rest of the policy paperwork and never look at it. Then when a claim happens, they find out their limits or deductibles weren't what they assumed. A five-minute review of your dec page is worth it.
Cooper Parsons, NC License #19272643
Frequently asked questions
What is a declarations page in insurance?
A declarations page (commonly called a "dec page") is the summary document at the front of an insurance policy. It lists the named insured, the property or vehicle covered, coverage types, coverage limits, deductibles, the policy period, and the premium. It is the at-a-glance summary of the policy.
What information is on a home insurance declarations page?
A homeowner's declarations page typically shows the dwelling coverage amount (Coverage A), other structures (Coverage B), personal property (Coverage C), loss of use (Coverage D), liability limits (Coverage E), medical payments (Coverage F), your deductible, any endorsements, and your annual premium.
Why do lenders and landlords ask for a declarations page?
Mortgage lenders require proof of homeowner's insurance as a condition of the loan. They request the dec page because it shows the coverage limits, the insurer, the policy period, and confirms the lender is listed as mortgagee. Landlords may request renters insurance dec pages for similar proof-of-coverage purposes.
How do I get a copy of my declarations page?
Most insurers provide the dec page in online account portals. You can also request it directly from your insurer or your agent. When IronHaven writes your policy, we provide the dec page as part of the policy delivery and can resend it on request.
Written & Reviewed By
Cooper Parsons
Owner & Licensed Independent Insurance Agent
NC License #19272643 · IronHaven Insurance · Wake Forest, NC · 25+ carriers
“Cooper saved me a TON of money while finding even better coverage for my home and auto. He is a solid person who cares about his clients. I'd rate him 500 stars if I could!”
Elliott Squires
Wake Forest, NC · Home & Auto
“Cooper worked with us when we thought we were all out of options for house insurance. He was able to help us get our home insured with a better package. So thankful for his communication and hard work!”
Rebecca Brady
Wake Forest, NC · Home Insurance
“Cooper is the partner you want to walk alongside you. He is an excellent teacher, a delight to work with. He's earned my trust, and he'll earn yours as well.”
Gabriel Torres
North Carolina · Insurance Client
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