What is a Home Insurance Declaration Page?

Kara Copple
Kara Copple

A homeowner’s insurance declaration page is an important document that forms part of your insurance policy. It can usually be found at the front of your policy paperwork and provides an overall summary of your policy. A homeowner’s declaration page doesn’t necessarily have to be a single page. If your policy has lots of coverage and details, it could cross several pages. 

Every time you purchase or renew an insurance policy, you should receive a new declaration page because it’s technically a new agreement each time.

What Information is Included in the Declaration Page?

A homeowner’s insurance declaration page will feature important information about you, your policy, and the policy provider. 

Most declaration pages will include the same basic information such as:

  • Your insurance policy number
  • Your name, address, and contact information
  • Name, address, and contact information of the insurance company
  • Who and what is covered under your insurance policy
  • Type of coverage
  • Limits and exemptions to the policy
  • Limits of liability
  • Deductibles
  • Endorsements
  • The duration the policy is valid for
  • The cost of the insurance
  • Any discounts applied
  • Any additional named people on the policy such as banks or leasing companies

Why Is an Insurance Declaration Page Important?

An insurance declaration page is more important than you might think. It’s not just a confirmation of the policy, like an insurance binder. The information outlines everything the policy covers and what it doesn’t, the prices, type of coverage, and any other details of the policy.

This document contains all the necessary information you might need if you ever need to check something. In the event that you want to make a claim, your first stop should be to take out your insurance declaration page.

What to Check in a Home Insurance Declaration Page

In an ideal world, the homeowner’s declaration page would be error-free. However, sometimes things go wrong, and incorrect information may end up on your declaration page.

Common mistakes you might find include clerical errors such as misspelled names or addresses. Another common one is incorrect amounts such as deductibles, prices, coverage amounts, or endorsements.

That’s why it’s so important to check your home insurance declaration page thoroughly to ensure it’s 100% correct. The sooner you do this, the sooner you can rectify any mistakes if they appear.

Home Insurance Declaration FAQs

About the Authors

Kara is a freelance writer for Reviews.com. For the past few years, she has covered a wide range of personal finance topics such as home insurance, mortgages and personal loans for a variety of websites. She has been featured in The Simple Dollar, Bankrate.com and Interest.com among others. She holds a bachelor's degree in Creative Writing from LJMU in the UK. Kara's favorite review on Reviews.com is The Best International Travel Insurance Companies.