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What is, and how do you read, a property policy declarations page?

DISCLAIMER

This is for general informational purposes only, and is not legal or insuring advice.

 

This is a simplified mockup of a fictitious Homeowners insurance declarations page, and does not contain every variable your property policies' declarations pages might have.

 

Every declarations page can look different, and be structured in different ways, depending on the type of property insurance, the insurance company, your chosen coverages, and more.

 

For for your own property insurance, be sure to connect with your licensed insurance agent or broker if you have specific questions about your declarations page and/or policy.

 

Additional information about reading declarations pages—and property insurance policies in general—can be found at policyholder nonprofit United Policyholders' website.

 

Your US state or territory's Department of Insurance government website may have additional property insurance consumer resources for you, and the National Association of Insurance Commissioners (NAIC) has a great directory of state insurance departments.

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