Understanding Your Renters Insurance Declaration Page

It’s common to have questions about your renters insurance policy, especially if you need to file a claim. Instead of calling an agent right away, check your renters insurance declaration page first. It contains the most important information related to your renters insurance policy, like your policy number, coverage limits and much more. Keep reading to learn about your renters insurance declaration page, including what information is on it, why you might need it and where you can find yours.

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    [ Read: Renters Insurance Terms to Know ]

    What is a renters insurance declaration page? 

    A renters insurance declaration page is a document that includes relevant details about your renters insurance policy. Think of the declaration page, also called the dec page, as your go-to source for important information about your coverage, premium and deductible. It’s a list of everything you’re paying for that impacts the cost of your renters insurance.

    When you purchase a renters insurance policy, an agent from the insurance company will provide a copy of your declaration page in hard copy or digital format. It’s helpful to keep your declaration page handy in case you have questions about what your policy covers or how to file a claim.

    Where can I find my renters insurance declaration page? 

    Your renters insurance declaration page is always included as the first page of your policy documents. Keep in mind that the declaration page could actually be several pages long, depending on the format. There are a few places where you can find the declaration page.

    If you still have the original insurance binder or folder you were given after signing your policy, the dec page will be the first page in that packet of information. If your renters insurance company has an online customer portal, you can also download a digital copy of your declaration page from your account. If all else fails, you can call an agent and ask them to mail or email you a copy.

    What will I need a renters insurance declarations page for? 

    Your renters insurance declaration page is beneficial for several reasons. First, it can help you figure out what your policy covers, which you need to know in the event of a covered loss. It also serves as an easy reference to your policy start and end dates, your policy number, your premium and your deductible.

    If your landlord requires you to carry renters insurance, he or she may ask you to provide your declaration page as proof of insurance. Using the information on your dec page, the landlord can confirm what type of coverage you have, how much coverage you have and if you have any add-ons, like earthquake or flood insurance that might also be required.

    [ Next: What Does Renters Insurance Cover? ]

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    What information can I find on my renters insurance declaration page? 

    Every renters insurance declaration page includes similar information, although the exact format or layout might be different. If you have any questions about what your renters insurance policy covers, you can most likely find the answer on your declaration page. Here is the information that can typically be found on a renters insurance declaration page:

    • Policy number and details: Basic information about your policy can be found on the dec page. You’ll find your policy number, the policy’s start and end date, and your agent’s name and contact information. Your personal information, including the insured property’s address, will also be listed on the declaration page.
    • Premiums: Your premium, or the price of your renters insurance policy, can be found on the declaration page. It will also note whether you pay monthly or annually. Most insurance dec pages will include your premium as both the annual and monthly costs for easy reference.
    • Coverage and riders: Your dec page contains the types of coverage and add-on coverages you have as part of your policy. Most renters insurance policies include personal property, liability and loss of use coverage. If you have any endorsements, like scheduled personal property coverage or flood insurance, it will be noted on the dec page. 
    • Deductibles: Your deductible is the amount of money you have to pay out-of-pocket towards a covered loss before the insurance company will reimburse you. Your deductible can be found on your dec page, along with the coverages that require a deductible.
    • Discounts: Any discounts applied to your renters insurance policy can be found on the declaration page. You may also see the percentage or dollar amount that you’re saving for each discount. 
    • Coverage limits: All of your renters insurance coverages have a limit, which is the highest amount of money the insurance company will give you following a covered loss. If you need to file a claim, it’s a good idea to look at your dec page and review the coverage limits so you know how much you’re covered for.
    • All parties: Everyone covered under your renters insurance policy will be listed on the declaration page. For example, if you live with a significant other, they may be covered as an additional insured. Keep in mind that roommates living together should all have separate renters insurance policies.
    • Claim information: You will find information on your dec page about how to file a claim. You may find the number of the 24/7 claims phone number, plus instructions about what to do after a loss occurs. This section might also note if you can file a claim online or through the insurance company’s mobile app.

    [ Read: How Much Renters Insurance Do I Need? ]

    We welcome your feedback on this article. Contact us at inquiries@thesimpledollar.com with comments or questions.

    Elizabeth Rivelli

    Contributing Writer

    Elizabeth is a contributor to The Simple Dollar, where she reviews insurance providers and policies. She has more than three years of experience writing for top online insurance and finance publications, including Bankrate, Coverage.com and Reviews.com.

    Reviewed by

    • Nashalie Addarich
      Nashalie Addarich
      Editor

      Nashalie Addarich is an editor for The Simple Dollar. She recently made a career switch from the legal field, where she was an attorney in Washington, DC. In her free time, she enjoys learning new languages. You can also find her editorial work on Reviews.com.