A declarations page, often called a “dec page,” can be found in the front of your policy. The dec page summarizes your policy and coverages, limits and deductibles, and the dates your policy is effective. Auto insurance dec pages also list the insured vehicles and drivers, while homeowners dec pages list the location of the property you’re insuring. You should get a dec page each renewal period.

Example Auto Dec Page

  1. Insurance company name
  2. Policyholder name
  3. Policy number
  4. Policy period  the period of time your policy is active
  5. Driver(s) listed
  6. Vehicle(s) listed
  7. Coverage – the damage or injuries an insurance company agrees to pay for under the policy
  8. Coverage limits – the maximum amount your insurance company will pay for each covered accident, for each type of coverage
  9. Deductible – the amount you must pay out of pocket for damage before the company pays their part
  10. Premium  the amount you pay an insurance company for your policy
  11. Endorsements – policy changes that give you more or less coverage and may change your premium

Example Homeowners Dec Page

  1. Insurance company name
  2. Policyholder name
  3. Policy number
  4. Policy period  the period of time your policy is active
  5. Location of property
  6. Coverage – the damage or injuries an insurance company agrees to pay for under the policy
  7. Coverage limits – the maximum amount your insurance company will pay for each covered accident, for each type of coverage
  8. Deductible – the amount you must pay out of pocket for damage before the company pays their part
  9. Premium  the amount you pay an insurance company for your policy
  10. Endorsements – policy changes that give you more or less coverage and may change your premium

Other Things to Think About

  • Keep in mind your dec page is only a summary of your coverage, it doesn’t show everything within your policy. For example, you may have 50/100/50 liability limits for drivers listed on your auto policy. However, for unnamed drivers it could be rolled back to the 30/60/25 state minimum required limits. It is important to review your entire policy and ask questions.
  • Other important disclosures are provided with the dec page. For example, business use. While some Texas personal auto policies cover delivery of property for a fee (such as newspapers and groceries), some do not and provide a notice to let you know.
  • Do you have the right type of coverage for you? Consider whether the current coverages and deductibles you have meet your needs. Are your claims paid on an actual cash value (ACV) or replacement cost value (RCV) basis? Do you have the appropriate coverage for water damage? Do you have UM/UIM? If not, it may be time to shop around. Consider using our Policy Comparison Tool.
  • Are you eligible for any discounts? Any discounts you currently receive may be listed on the dec page. Ask your agent or insurance company if you are eligible for any additional discounts.

*⃣To learn more about auto insurance, visit The BasicsShopping Guide, and Know Your Rights sections of our website. 

*⃣To learn more about residential property insurance, visit The BasicsShopping Guide, and Know Your Rights sections of our website.