Making Insurance Easier: What is a Dec Page?

Various forms of insurance are critical in a family’s financial plan. Yet when the subject is often discussed, people would often rather get a root canal. Part of the issue is the page after page of often confusing language found in an insurance policy. It doesn’t have to be that difficult however, once you understand the purpose of a declaration or dec page in a policy.

Sometimes referred to as the information page, a dec page is usually the first page or two of an insurance policy that contains the nuts and bolts of a policy. A policy could have 10 or 20 pages in it, but the dec page is the summary of the who, what, when and where of the policy. If you can read the dec page, you will have a good basic understanding of your policy’s coverage.

What’s included in the dec page?

The name of the insured
Address
The policy period
Location of the insured property
Amount of insurance coverage
Policy limits
Other information that may vary from policy to policy

This can be liberating to understand in that you don’t have to be intimidated by all of the sometimes confusing language in a policy. To get a good understanding of what is involved, all you need to be able to do is read the dec page. Mystery solved!

Now, of course, if you have a claim, the devil will be in the details and the deeper understanding of an agent may be required, but for general knowledge, the dec page can be very enlightening.

If you have any questions about your current insurance or would like to make sure you have sufficient coverage for your current life situation, we invite you to contact us. As an independent insurance agency, we are qualified to review the policies from any insurance provider. Not only can we help determine if your coverage is sufficient, but we can also help ensure you are getting all the discounts you qualify for. We may even be able to save you money on your overall insurance coverage.