The declarations page—often called the dec page—is the first document in your homeowners insurance policy packet. It summarizes your entire policy on one or two pages, listing your coverage limits, deductibles, premium, and key policy details. Most people only look at it when they are asked to prove coverage. You should read it carefully at every renewal.
At the top of the dec page you will find the named insured, the property address, and the policy period. The named insured is the person or persons legally covered under the policy—this matters when filing a claim. The policy period shows the exact start and end dates of coverage. If your mortgage lender is listed as a lienholder or additional interest, that appears here as well.
The core of the declarations page is a breakdown of your coverage limits across each major category. Understanding what each line means helps you spot gaps before they become problems:
Your dec page will list your deductible—what you pay out of pocket before the insurer pays. Some policies have separate deductibles for specific perils like wind, hail, or hurricanes, and these are often expressed as a percentage of Coverage A rather than a flat dollar amount. Pay close attention to these. The dec page also lists any endorsements added to the policy, such as water backup coverage, scheduled jewelry, or ordinance and law. If an endorsement does not appear here, it is not part of your coverage.
The declarations page shows your total annual premium and may break it down by coverage component or discount applied. Common discounts—such as bundling, claims-free history, wind mitigation credits, or a new roof—should appear here. If you expected a discount and do not see it, contact your insurer before your next payment.
Your declarations page tells you exactly what you are and are not covered for—but only if you know how to read it. A Truscott policy checkup reviews your dec page line by line, identifies coverage gaps or deductibles that could catch you off guard at claim time, and recommends adjustments that match your actual risk. Reach out to make sure your coverage is exactly what you think it is.
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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.