We are independent & ad-supported. We may earn a commission for purchases made through our links.
Advertiser Disclosure
Our website is an independent, advertising-supported platform. We provide our content free of charge to our readers, and to keep it that way, we rely on revenue generated through advertisements and affiliate partnerships. This means that when you click on certain links on our site and make a purchase, we may earn a commission. Learn more.
How We Make Money
We sustain our operations through affiliate commissions and advertising. If you click on an affiliate link and make a purchase, we may receive a commission from the merchant at no additional cost to you. We also display advertisements on our website, which help generate revenue to support our work and keep our content free for readers. Our editorial team operates independently of our advertising and affiliate partnerships to ensure that our content remains unbiased and focused on providing you with the best information and recommendations based on thorough research and honest evaluations. To remain transparent, we’ve provided a list of our current affiliate partners here.

What is an Insurance Declaration Page?

Mary McMahon
Updated May 16, 2024
Our promise to you
SmartCapitalMind is dedicated to creating trustworthy, high-quality content that always prioritizes transparency, integrity, and inclusivity above all else. Our ensure that our content creation and review process includes rigorous fact-checking, evidence-based, and continual updates to ensure accuracy and reliability.

Our Promise to you

Founded in 2002, our company has been a trusted resource for readers seeking informative and engaging content. Our dedication to quality remains unwavering—and will never change. We follow a strict editorial policy, ensuring that our content is authored by highly qualified professionals and edited by subject matter experts. This guarantees that everything we publish is objective, accurate, and trustworthy.

Over the years, we've refined our approach to cover a wide range of topics, providing readers with reliable and practical advice to enhance their knowledge and skills. That's why millions of readers turn to us each year. Join us in celebrating the joy of learning, guided by standards you can trust.

Editorial Standards

At SmartCapitalMind, we are committed to creating content that you can trust. Our editorial process is designed to ensure that every piece of content we publish is accurate, reliable, and informative.

Our team of experienced writers and editors follows a strict set of guidelines to ensure the highest quality content. We conduct thorough research, fact-check all information, and rely on credible sources to back up our claims. Our content is reviewed by subject-matter experts to ensure accuracy and clarity.

We believe in transparency and maintain editorial independence from our advertisers. Our team does not receive direct compensation from advertisers, allowing us to create unbiased content that prioritizes your interests.

An insurance declaration page is a piece of paper which provides basic information about an insurance policy. Typically, the first page of an insurance policy is a declaration page, and people can also receive a copy as a standalone item. The declaration page is not the same thing as the proof of insurance which people may be required to carry with a vehicle or present when they want to make a claim on a health insurance policy. The proof of insurance carries some of the details of the declaration page, but it is less detailed.

Essentially, the insurance declaration page is like a quick guide to the insurance policy, providing all of the basic information the policyholder needs to know. It includes the name and address of the insurance agency, with information about the issuing agent, and it includes the contact information for the insured individual. It also states what is insured, for how much, under which circumstances, and for how long. For example, a car insurance declaration document might declare that a vehicle has comprehensive insurance for the dates of 1 January 1969 through 1 January 1970.

The declaration page also includes endorsements, additions to the policy beyond the basic coverage already described. To use the example of car insurance again, the insurance policy could state that the car also has an auto glass endorsement, specifically covering damage to the windows, and a towing package, which will cover towing of the vehicle in the event that it is disabled.

It is important to review an insurance declaration page when a copy of an insurance copy is issued. If information on this page is erroneous, it means that the insurance company does not have the right information on file, and this could become a problem if a claim needs to be made against the policy. If the amount of coverage looks wrong, the contact information is incorrect, the description of the item being covered is wrong, or there are other problems, the errors on the insurance declaration page should be brought to the attention of the insurance company so that they can be corrected.

It is a good idea to store insurance policies, certificates of title, and other important legal documents such as birth certificates and passports in a safe deposit box in a secure facility, so that they cannot be stolen or damaged. However, since this information sometimes needs to be accessed quickly, many people make copies of their basic information and keep them on file at home or in the office so that they can pull up the information quickly when they need it.

SmartCapitalMind is dedicated to providing accurate and trustworthy information. We carefully select reputable sources and employ a rigorous fact-checking process to maintain the highest standards. To learn more about our commitment to accuracy, read our editorial process.
Mary McMahon
By Mary McMahon

Ever since she began contributing to the site several years ago, Mary has embraced the exciting challenge of being a SmartCapitalMind researcher and writer. Mary has a liberal arts degree from Goddard College and spends her free time reading, cooking, and exploring the great outdoors.

Discussion Comments
By anon258179 — On Mar 30, 2012

Do I have to release my auto declaration to the attorney for a pedestrian who was hit while someone else was driving my car? If not, what will the next steps for the attorney be?

By write79 — On Feb 04, 2011

I never understand anything that it says on my homeowners insurance declaration page, beyond the simple stuff like name and address. I always call my agent to explain exactly what that information means. I don't like to be left in the dark. I want to know exactly what is covered and what is not.

By geronimo8 — On Feb 03, 2011

When you buy insurance for your car, home, or anything else, you should always review your declaration page when it comes in the mail. That way you can make sure you understand exactly what kind of coverage you have, and make sure you aren't paying for anything extra that you don't really need.

By roxytalks — On Feb 03, 2011

It's a good idea to keep a copy of your auto insurance declaration page easily accessible. There are always new insurance companies popping up that may have a better deal than the one you currently have, and existing companies are always promoting why their services are better than others.

You may, therefore, be tempted from time to time to investigate and see if you can get cheaper insurance coverage than what you already have.

The trick is getting a good price without sacrificing any of the benefits you already have. This is where your declaration page comes into play. There have been many times that I wanted to get a quote from an insurance company, but when questioned about my current coverage, I didn't know the answers. Having your declaration page handy will provide those answers.

Mary McMahon
Mary McMahon

Ever since she began contributing to the site several years ago, Mary has embraced the exciting challenge of being a...

Learn more
SmartCapitalMind, in your inbox

Our latest articles, guides, and more, delivered daily.

SmartCapitalMind, in your inbox

Our latest articles, guides, and more, delivered daily.