Homeowners Insurance Declaration Page Basics

Every year, a homeowners insurance declaration page arrives in the mail. Though it's set up in a simple format, it's good to know how to read a home insurance declaration page so you can check it for accuracy.

What is a Homeowners Declaration Page?

Your homeowners declaration page gives an overview of the most important parts of your homeowners insurance.

  • It explains who owns the policy and the specific piece of property that is covered.
  • The declaration page shows the annual policy premium, or amount you pay, and the length of coverage.
  • It lists the deductible and any endorsements (i.e., special additions) to the policy.