The declarations page—often called the "dec page"—is the summary sheet of your homeowners insurance policy. It lists who is insured, what is covered, how much coverage you carry, your deductibles, your premium, and the policy period. It is typically the first or second page of your policy documents and is the single most important page to read and understand.
The declarations page is your quick-reference guide to what you are paying for and what you can expect in a claim. If the numbers on this page are wrong—say your dwelling limit is $250,000 but rebuilding would cost $400,000—no other part of the policy can make up the difference.
Pull out your declarations page right now and read it. If anything looks unfamiliar or you are not sure a limit is adequate, schedule a Truscott policy checkup. We will walk through every line with you, explain what it means in plain language, and flag anything that needs attention before your next claim or renewal.
Your HOA's master policy covers the building, but it likely stops at your unit's walls. Here is what an HO-6 condo policy covers, where the HOA policy ends, and why condo owners still need their own coverage.
Homeowners InsuranceYour declarations page is the single most important document in your homeowners policy, yet most homeowners never read it closely. Here is what every line means and what to check before a claim.