The declarations page — often called the "dec page" — is the summary page at the front of your insurance policy. It lists who is insured, what is covered, how much coverage you have, what your deductibles are, and how much you are paying. It is the single most important page in your entire policy.
Most people file their policy documents away without looking at them. The dec page takes two minutes to read and tells you almost everything you need to know about your coverage at a glance. It is also the fastest way to spot errors — a wrong address, a missing vehicle, an outdated coverage limit. Catching these mistakes before a claim saves enormous headaches.
Every time you receive a new or renewed policy, read the declarations page first. Compare it to your previous dec page and look for changes. If anything seems off or you do not understand a line item, ask your agent. At Truscott, we review dec pages with our clients and explain every number. Request a Truscott policy checkup and bring your dec page — we will walk through it together.
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