Call Us (904) 272-4660 ≡ ˟
Insurance Place of Orange Park
Trusted Choice
Call Us (904) 272-4660 999 BLANDING BLVD
ORANGE PARK, FL 32065
  • HOME
  • ABOUT US
    • About Us
    • Employee Directory
    • Privacy Policy
  • AREAS WE SERVE
    • Our Office
    • Fleming Island
    • Jacksonville
    • Orange Park
  • GET A QUOTE
  • VIDEOS
    • Convenience Buying Your Policy
    • Planning Ahead
    • Think before you buy
    • Our Business is Caring
  • CUSTOMER SERVICE
    • Service Forms
    • Payments or Claims
    • Insurance Glossary
    • Important Links
  • BLOG
  • CONTACT
    • Location Map
    • Contact Form
    • Join Our Newsletter
    • Refer a Friend
Home > Blog > What Are Home Insurance Policy Declarations?
FRIDAY, FEBRUARY 8, 2019

What Are Home Insurance Policy Declarations?

Home Insurance Policy

Did you take the time to read through your home insurance policy? If you did, you may have noticed information about the homeowner's declarations listed on the policy.

Generally, policies have a specific page dedicated to declarations. Though this page tends to read like a very formal document, it does not have to be so complex. Generally, it is a summary of the coverage you have. Why does this really matter?

What Is A Declaration Page?

Most of the time, a property owner does not think much about a home insurance declaration page until someone asks for it. This person or entity might be a lender, for example.

Your policy declaration page helps to show the interested party that you have insurance coverage on the home. That is important.

As a summary document, your declaration may or may not include all the information you need. So, let's look at what's commonly on that page.

What's On Your Declaration Page?

The home insurance declaration page provides several details on coverage. Here are some of the key points you need to understand before agreeing to the coverage.

  • It lists the name of those parties insured through the policy. You and others insured on the policy need to be mentioned. It will also list who your insurance agent is. Most often, it also includes your lender information (as the lender tends to be the title holder).
  • It lists the type of insurance you have. This includes dwelling protection, structure coverage for sheds, garages, or other buildings and personal property insurance. It also lists personal liability insurance, loss of use coverage, and guest medical payment coverage – all based on what you have in place.
  • It lists the amount of coverage you have for each of these areas of protection. This is the upper limit or the amount the company pays out if a claim occurs at the highest level.
  • It includes any deductibles on coverage. It also includes any other costs you maintain responsibility for under the policy.
  • It lists any discounts applied to your policy. It lists what your premium is as well.
  • It describes your property. Description measures include the size, features, and mailing address.
  • It lists the specific dates of coverage. These are the start and end date of your policy.

Declaration pages vary, so some might not contain all the information above. Also, you may not have all the information about your home insurance policy included here. For example, a page usually does not list any extra policy endorsements you have, such as identity theft coverage. It may not list all exclusions either.

Still, this summary page is a good starting point to understanding your coverage. Talk to your Insurance Place of Orange Park agent if you have any questions on your declaration page.

Contact Us

Posted 12:00 PM

Tags: home insurance, pickering insurance, insurance place of orange park
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017

  • insurance place of orange park(21)
  • auto insurance(20)
  • car insurance(13)
  • home insurance(10)
  • general liability insurance(3)
  • insurance(3)
  • mobile home(2)
  • homeowners insurance(2)
  • business insurance(2)
  • commercial insurance(2)
  • auto insurance: comprehensive and collision coverages(1)
  • homeowners and auto insurance(1)
  • love and insurance(1)
  • insurance is for the ones we love.(1)
  • green cove springs(1)
  • dwelling insurance(1)
  • insurance and runner's kick(1)
  • love your insurance!(1)
  • insurance saves the day(1)
  • homeowner insurance(1)
  • homeowner(1)
  • homeowners(1)
  • our business is caring(1)
  • low rates(1)
  • homeowners insurance and tree lighting safety(1)
  • pickering insurance(1)
  • auto(1)
  • flood coverages(1)
  • best practices in high customer service(1)
  • money counts(1)
  • middleburg(1)
  • hurricane(1)
  • clay county(1)
  • safety while traveling in your auto.(1)
  • friends in insurance(1)
  • risk protection(1)
  • and rv insurance(1)
  • good people in insurance protection(1)
  • insurance now(1)
  • your needs first(1)
  • no prior insurance(1)
  • commercial auto insurance(1)
  • hurricane insurance(1)
  • home(1)
  • pickering insurance inc(1)

View Mobile Version
Bristol West
Kemper
Progressive
Universal Property
National General
Security First
Penn America
Berkshire Hathaway
Home| Refer A Friend| Our Location| About Us| Contact Us
Speak to a Specialist
Location

999 Blanding Blvd
Orange Park, FL 32065

P: (904) 272-4660
F: 904-758-4063
E: info@inplaceop.com
Insurance Place of Orange Park
Facebook LinkedIn Google Posts RSS

Powered by Insurance Website Builder