Homeowners Insurance Declaration Page

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What Is a Declaration Page for Home Insurance?

a person reviewing their policy details on their homeowners declaration pageAfter you purchase homeowners insurance through the AARP® Homeowners Insurance Program from The Hartford,1 you’ll receive information about your policy and what it covers. This information includes a homeowners insurance declaration page, also known as a dec page. Home insurance declarations are quick, snapshot-level summaries of your coverage.
 

Why Do You Need a Homeowners Insurance Declaration Page?

Your homeowners declaration page is a great way to view key information about your policy, like limits, coverages and discounts at a high-level. This page can also be used as proof of insurance. If you have a mortgage on your home, your lender may request proof of insurance on a yearly basis.
 

What Information Is Included in a Home Insurance Declaration Page?

Homeowners insurance declarations typically include information like your:
 
  • Insurance company’s contact information
  • Name and the names of other insured members under your policy
  • Address
  • Policy number
  • Policy period
  • Coverage amounts and limits
  • Premium
  • Deductible
  • Mortgage lender, if applicable

How Do You Read a Homeowners Insurance Declaration Page?

Your homeowners insurance declaration page will typically have sections to show important details about your policy. Below is a sample homeowners declaration page.
 
a sample homeowners insurance declaration page
 
The following items are usually listed on your declarations page:
 

Location of Property

This section includes the address of the insured property under your home insurance policy.
 

Mortgage Lender

If you have a mortgage on your home, your lender will be listed on your declaration page along with their contact information.
 

Policy Number and Period

Your declaration page also includes information about specific elements of your policy. This includes your policy number, which is unique to your homeowners insurance policy. It also lists your policy period, which shows the effective date when your policy begins along with its end or expiration date. Typically, policies cover a one-year period.
 

Total Premium

Your homeowners insurance declaration page is a great way to view your total homeowners insurance policy premium. This amount represents how much you pay for insurance.
 

Discounts, Add-Ons and Endorsements

Home insurance declarations typically show any discounts, add-ons or endorsements that have been applied to your policy. For example, if you qualify for a home security system discount through the AARP Homeowners Insurance Program from The Hartford, your declaration page will detail this information.
 

Types of Coverage

This section of your declaration page lists the coverages included in your home insurance policy. For example, this section will include details on your home dwelling coverage, other structures coverage and personal property coverage.
 

Deductibles and Coverage Limits

Along with your coverages, your homeowners declaration page will list deductibles and limits for each of the types of coverage in your policy. Your deducible represents how much you’ll have to pay out of pocket before your insurance coverage goes into effect. Coverage limits are the maximum amount your insurance company will pay for a covered loss.
 

Is a Declaration Page the Same as Proof of Insurance?

A declaration page is the same as proof of insurance. You won’t receive a declaration page unless you purchase an insurance policy, so this document can be used to show that you have active coverage.
 

How Do You Get a Homeowners Insurance Declaration Page?

a couple obtaining a copy of their home owners insurance declaration pageOnce you purchase your homeowners insurance policy, your insurance company will provide a copy of your homeowners insurance declaration page. If you make any changes to your policy, your insurer will update this document. You can also view your declaration page online.
 

Get a Fast and Free Quote for Homeowners Insurance From The Hartford

The Hartford has been protecting homeowners and their properties for over 200 years. We’ve earned our reputation as an insurance company you can trust. Whether you’re looking for a copy of your homeowners insurance declaration page or need to file a claim, The Hartford’s specialists can help. To learn more about the coverages and savings available through the AARP Homeowners Insurance Program from The Hartford, get a quote today. You can also speak with a specialist by calling 877-422-2345.
 
 
Last Updated: June 26, 2023
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
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