Declarations Page

A declarations page is the summary of your insurance policy—it includes important details like coverage amounts, deductible, who’s covered, and more.

What’s a declarations page?

Your insurance policy is a contract between you and your insurance company. And, like most legal documents, it’s pretty long and complicated—but it also has a summary, which is known as a declarations page.

This page, often referred to as a dec page, is your go-to for important info like how much coverage you have on your property, what types of endorsements were added on (if any), and more.

A breakdown of a typical declarations page

  1. Who is insured akanamed insured” (and at what address)
  2. When the policy starts and stops (“effective” and “expiry” dates)
  3. What’s being covered, and for how much
  4. Your premium
  5. Any discounts you may be eligible for
  6. Your deductible
  7. Endorsements and notices
  8. How to contact your insurer

Your dec page will also typically contain a list of terms that are used in the document, along with their explanations.

What you need to check on a declarations page

Once you get your policy, read over the declarations page extra carefully and make sure everything is correct.

One of the most common mistakes we see here at Lemonade HQ is one of the most obvious: an incorrect home address. And while you’re at it, make sure to double check your name, coverage amounts, deductible, and policy type.

 If you stay with your insurance company for more than a year, you’ll have a new dec page to review annually—exciting!—since your policy term is typically 12 months long.

Please Note: These definitions don’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade. They are intended for educational purposes only - they’re not meant to be used in lieu of professional legal or financial advice. We’ll do our best to keep them updated, but they may not always reflect current industry developments. Feel free to use the terms with attribution (friends don’t let friends plagiarize!)

Property and casualty insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd floor, New York, NY 10013. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.

Lemonade Insurance Agency, LLC (LIA) is acting as the agent of Lemonade Insurance Company and Lemonade Life Insurance Agency, LLC (LLIA) is acting as the agent of North American Company for Life and Health Insurance®. Both LIA and LLIA receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.

LLIA is a sub-producer of Bestow Agency, LLC. Life insurance quotes are provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Term Life insurance policies are issued on North American Company for Life and Health Insurance® policy form LS181 and LS182, or state version including all applicable endorsements and riders. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. Our application asks about your lifestyle and health; your answers allow us to save you time and avoid offline medical exams.