Skip to main content
Author photo

Written by Kayla Jane Barrie Updated on Mar 13, 2025 4 mins read

Blog What Is An Insurance Declaration Page?

Insurance declaration page explained

When you purchase a policy, the insurance declaration page is one of the most important documents you'll receive. This page provides a snapshot of your coverage, and understanding it can save you a lot of headaches if you ever need to file a car insurance claim.

Below, we’ll explain the importance of an insurance declaration page and the information it typically includes.

Three main takeaways about the insurance declaration page

  • An insurance declaration page summarizes your policy's terms, such as deductibles, coverage limits, who is covered, and discounts. It can be found in any insurance contract.
  • Always review your declaration page as soon as you receive it, whether from a new policy or renewal.
  • The declaration page will explain how your policy applies to a claim, helping you understand each policy section and its relevance to your property or belongings.

What is a declaration page for insurance?

The insurance declaration page is a summary of your insurance policy. It's typically found on the first page of your policy package and contains important information about your coverage.

The declaration page makes it easier to understand your coverage without reading through the entire policy document. It is often requested as proof of insurance, and reviewing it can help you identify errors or discrepancies in your coverage. In the event of a claim, the declaration page can expedite the process by clearly outlining your coverage limits and deductibles.

What’s included in an insurance declaration page

While the exact layout and terminology can vary between insurance companies and types of insurance, most declaration pages include the following information:

  • The name and mailing address of the policyholder.
  • The insurance policy number.
  • The coverages included in your policy, including any riders or endorsements that have been added.
  • The insurance limit and deductible for each type of coverage.
  • The premiums are charged to the policyholder for insurance.
  • The name, address, and contact information of the insurance company.
  • How to file a claim with your insurance company.
  • The length of time the policy is valid, including the expiration date.
  • Other named insureds, if applicable, such as banks or lienholders.

Why is the insurance declaration page important?

The declaration page is important for several reasons. It contains valuable information that can be useful in many situations. Instead of navigating through a long and complex policy document, you can often find the information you need just by reading the declarations. Here are some key points:

  • Filing of claims: Before making any claim, review your declarations page to ensure you have grounds to file. Since the page includes information about your deductibles, coverage limits, riders and endorsements, it will help you quickly determine whether your policy covers you for the incident and whether it's worth filing.
  • Questions about your coverage: Each type of coverage has its limit, so it's crucial to check your coverage limits to understand what your plan covers and what you might need to pay out of pocket.
  • You want to lower your coverage costs: To reduce premiums, review your declarations page for potential adjustments such as raising deductibles, lowering coverage limits, or reducing extra coverages. Even small changes can have a big impact on your costs.
  • Taking out a loan: If you take out a loan, like a mortgage or car loan, you may need proof of insurance. Providing the lender with a copy of your declaration page containing the key information, such as your policy number, coverage, and additional insureds, is a quick way to fulfill this requirement.
  • Proof of coverage:< If you're asked for car insurance proof when pulled over, show the insurance declarations page or a pink slip. The officer usually needs to see the insurance company and policy number.
people talking about insurance documents by a computer

How does an insurance declaration page work?

The insurance declaration page is a crucial part of your insurance contract document, issued by the insurance company in physical, digital, or both formats. It follows the binder of insurance in the policy document and is one of the initial elements of any insurance policy contract.

Despite being called a declaration page, it can often be longer than a single page. When you buy a new insurance policy, you will receive a new insurance contract with a new declarations page.

Additionally, you may get a new declarations page when you renew a policy or change your premium.

How to get an insurance declaration page

To obtain an insurance declaration page, your provider will typically send it automatically once you sign up for auto or home insurance. This page is at the beginning of your policy documents, which you may receive via email or regular mail, depending on how the company provides its documents.

Save time and money when you compare quotes with ThinkInsure

We make it easy to shop around and compare multiple quotes with us. Shop online anytime. It's free!

Red car driving on country road

Insurance declaration page FAQs

The insurance declaration page is part of your insurance contract and is typically one of the first elements in the policy document. It is titled "Declaration of Insurance" at the top.

The insurance declaration contains essential information but usually does not list your exclusions. However, your insurance contract will have a section that details the exclusions and limitations of your home or auto insurance policy.

The declarations page is designed to benefit you. Review it carefully to ensure all the information listed is accurate when you receive it. If you have questions about your policy or need to file a claim, keep it for future reference.

Always review the insurance declaration page in your policy

Your insurance declaration page is crucial for understanding your coverage and being prepared for claims. Always take the time to review and understand it. If you have any questions, contact our brokers for help.

Share


Latest Articles

Checkout our latest articles on insurance and other helpful topics.

woman on phone while driving
2024-04-08

Careless Driving Impact on Insurance

Are you wondering how much a careless driving ticket will affect your insurance in Ontario? Get our questions answered and learn how much you may see your rate go up.

man texting and driving in his car
2024-04-05

Careless Driving Charges In Ontario

Got a careless driving ticket in Ontario? Here’s everything you need to know about careless driving charges, fines, and penalties.

car hydroplaning on a rainy day
2024-04-03

How To Avoid Hydroplaning

You may not have control over the rain, but you can control how you handle hydroplaning (aquaplaning). Here’s how hydroplaning can happen and what to do to prevent it.

SUV driving in the rain at golden hour
2024-04-01

How To Drive In The Rain

Our experts offer 25 safety tips for driving in the rain. You’ll discover the best lights to use, what speed limit to follow, how to drive safe when it’s raining.