What is an Insurance Declarations Page?

Auto Insurance: What is a Declarations Page & Auto Insurance Basics (part 1)

You may have been asked for your auto, home, or business insurance declarations page and aren’t sure what that is.  Your declarations page is a summary of your insurance coverages and is typically no more than two pages long.  On a homeowner’s insurance policy’s declarations page you will find your dwelling coverages, personal property coverage, optional coverages, liability limits, deductibles, discounts, location information and additional interest information such as a mortgagee, premium, etc.

On your auto insurance declarations page you will find this information if you have elected to purchase these coverages:

  • Physical Damage – Comprehensive / Collision Coverage
  • Liability – bodily injury and property damage limits
  • Medical payments
  • Uninsured/underinsured motorists bodily injury limits
  • Deductibles for Comp/Collision
  • Rental Reimbursement
  • Towing and Labor
  • Discounts
  • Premium
  • Driver information
  • Vehicle information

A business declarations page will also list the business’ coverages.

For an example of a Auto insurance declarations page, follow this link  AutoInsuranceDeclarationsPage ODI

You may also download the complete guide to automobile insurance by the Ohio Department of Insurance by using this link Auto Insurance Guide

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