What Is a Declaration Page for Home Insurance?
After you purchase seguro de viviendas
through the AARP®
Homeowners Insurance Program from The Hartford,1
you’ll receive information about your policy and what it covers. This information includes a homeowners insurance declaration page, also known as a dec page. Home insurance declarations are quick, snapshot-level summaries of your coverage.
Why Do You Need a Homeowners Insurance Declaration Page?
Your homeowners declaration page is a great way to view key information about your policy, like limits, coverages and discounts at a high-level. This page can also be used as proof of insurance. If you have a mortgage on your home, your lender may request proof of insurance on a yearly basis.
What Information Is Included in a Home Insurance Declaration Page?
Homeowners insurance declarations typically include information like your:
- Insurance company’s contact information
- Name and the names of other insured members under your policy
- Policy number
- Policy period
- Coverage amounts and limits
- Mortgage lender, if applicable
How Do You Read a Homeowners Insurance Declaration Page?
Your homeowners insurance declaration page will typically have sections to show important details about your policy. Below is a sample homeowners declaration page.
The following items are usually listed on your declarations page:
Location of Property
This section includes the address of the insured property under your home insurance policy.
If you have a mortgage on your home, your lender will be listed on your declaration page along with their contact information.
Policy Number and Period
Your declaration page also includes information about specific elements of your policy. This includes your policy number, which is unique to your homeowners insurance policy. It also lists your policy period, which shows the effective date when your policy begins along with its end or expiration date. Typically, policies cover a one-year period.
Your homeowners insurance declaration page is a great way to view your total homeowners insurance policy premium. This amount represents how much you pay for insurance.
Discounts, Add-Ons and Endorsements
Home insurance declarations typically show any descuentos
, add-ons or endorsements that have been applied to your policy. For example, if you qualify for a home security system discount
through the AARP Homeowners Insurance Program from The Hartford, your declaration page will detail this information.
Types of Coverage
This section of your declaration page lists the coberturas
included in your home insurance policy. For example, this section will include details on your home dwelling coverage
, other structures coverage and personal property coverage.
Deductibles and Coverage Limits
Along with your coverages, your homeowners declaration page will list deductibles and limits for each of the types of coverage in your policy. Your deducible represents how much you’ll have to pay out of pocket before your insurance coverage goes into effect. Coverage limits are the maximum amount your insurance company will pay for a covered loss.
Is a Declaration Page the Same as Proof of Insurance?
A declaration page is the same as proof of insurance. You won’t receive a declaration page unless you purchase an insurance policy, so this document can be used to show that you have active coverage.
How Do You Get a Homeowners Insurance Declaration Page?
Once you purchase your homeowners insurance policy, your insurance company will provide a copy of your homeowners insurance declaration page. If you make any changes to your policy, your insurer will update this document. You can also view your declaration page online.
Get a Fast and Free Quote for Homeowners Insurance From The Hartford
The Hartford has been protecting homeowners and their properties for over 200 years. We’ve earned our reputation as an insurance company you can trust. Whether you’re looking for a copy of your homeowners insurance declaration page or need to file a claim, The Hartford’s specialists can help. To learn more about the coverages and savings available through the AARP Homeowners Insurance Program from The Hartford, obtener una cotización
today. You can also speak with a specialist by calling 877-422-2345
Última actualización: 26 de junio de 2023
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