Declarations Page
The summary page at the front of an insurance policy listing the policyholder, coverage types, limits, deductibles, and premium.
The declarations page (commonly called the "dec page") is a one- or two-page summary that serves as the cover sheet of your insurance policy. It identifies the policyholder by name and address, lists the insured property or vehicles, states the policy period (effective and expiration dates), itemizes each coverage type with its limit, shows the deductible for each coverage, and states the total annual premium.
The dec page is the document lenders and landlords require as proof of insurance. When you buy a home, your mortgage lender will ask for a dec page confirming that the dwelling is insured for at least the outstanding loan amount. When you rent an apartment, some landlords require renters insurance and ask for the dec page.
Review your dec page carefully at every renewal. Confirm that coverage limits are still adequate (dwelling replacement costs rise with inflation), that deductibles match your expectation, and that all discounts you qualified for are reflected in the premium.
Real-World Example
Before closing on the mortgage, the lender required the buyer to email a declarations page showing $350,000 in dwelling coverage and liability coverage of at least $100,000.