How To Find your Auto Insurance Declarations Page
- Your declarations page displays the most important information about your insurance policy. It's typically included as the first page of your policy documents.
- The quickest way to find your dec page is through your insurer's website or mobile app.
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- Licensed Insurance Agent — Property and Casualty
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Where can I find my declarations page?
A declarations page (commonly referred to as "dec page") hosts the most important information about your insurance policy — who is covered, what is covered, and for which limits. The precise way to find it depends on your insurance provider, but most companies follow similar paths to locating policy documents. There are three routes you can take to access your declarations page:
From your insurance company
When you finalize your policy, the insurance company will send the documents to you. You'll get them by email first, and a printed copy may follow by mail. Inside, you’ll find your declarations page.
Online or through your provider's mobile app
You can easily find your declarations page through your insurance company's online portal — or on their mobile app, if they offer one.
From your insurance agent
If you work with a dedicated insurance agent, they can send you a copy of your documents upon request. Reach out to your agent if you can’t find your copy or need a replacement.
How to find your declarations page online
If you're going with option two and looking for your declarations page online, the following steps should point you in the right direction to finding your declarations page.
In your browser, navigate to your insurance company's website (or open their mobile app) and log in. Once you've entered your credentials, you can view and access your policy details.
This looks a little different on each insurer's platform, but look for links labeled "my documents," "proof of insurance," or sometimes, documents can be nestled under "policies" if you have more than one line of insurance through that provider.
From the appropriate tab, you should now see a more clearly labeled document called "Declarations Page." You can also find ID cards and renewal notices here.
Have one of these insurance companies?
We've navigated through several top insurers' online platforms to provide you with the exact steps required for finding your declarations page.
Liberty Mutual
Locate your policy documents from Liberty Mutual easily with our guide.
The declarations page: Explained
An insurance declarations page — or dec page — declares the basics of who and what is covered. An insurance declarations page will contain the following information:
This example displays an auto insurance policy declarations page.
- Policy number: This is your unique policy number, which can be found on your dec page, ID cards, and billing statement. You'll need this when filing a claim, getting pulled over, and when renewing license plates or registration.
- Policy term: Lists the effective date and expiration date of your policy. Don’t wait until your policy period has ended to renew, as any lapse in insurance coverage can be problematic.
- Policyholder address: The address listed must be the policyholder's and the primary location at which the vehicle is kept.
- Named insured: Any driving resident of your household should be listed under “named insured” or “additional drivers” unless you specifically exclude them.
- Coverages: Lists bodily injury and property damage liability (required), as well as any elected coverages such as comprehensive, collision, etc.
- Policy limits/deductible: Lists the maximum amount that each coverage will pay as well as any required deductible you have to pay out of pocket.
- Premium: The amount you’ll pay over the course of the policy term. Can be listed as a six-month or one-year total.
How to Read a Car Insurance Policy
Make sure you know where to find important information on your policy documents.
What is a homeowners insurance declarations page?
Each section of your homeowners policy is important, but the declarations page is likely your go-to source for most information. Here you’ll find important info about your coverage amounts, coverage limits, and insurance premiums. Have a look at the example below to learn more about standard features of a homeowners declarations page.
- Insurance company: The name of your insurance provider.
- Named insured: Holder of the policy.
- Policy number: This unique policy number is needed anytime you file a claim.
- Policy period: Lists the start and end dates of your policy.
- Policyholder address: Location of the insured property.
- Coverages: This section details the specific coverages included in your policy.
- Limits: Signifies the limits of each coverage.
- Deductibles: The amount for which you're responsible for paying before your insurance coverage kicks in. A higher deductible can lead to lower monthly insurance rates.
- Replacement cost value/actual cash value: This signifies whether or not the insurance company will factor in depreciation when covering your losses or replace them at the full value.
- Total premium: The total amount due over the duration of the policy term.
- Endorsements: Additional coverages and customizations.
How to Read a Homeowners Insurance Policy
Master the essentials of your homeowners insurance policy, learn how to interpret the declaration page, identify coverage limits & recognize exclusions.
When would I need my declarations page?
Your insurance declarations page — whether for home or auto — provides a clear summary of your coverage, including limits, deductibles, and premiums. It acts as proof of insurance and comes in handy for filing claims, meeting lender or HOA requirements, handling traffic stops, or renewing your policy. You might also refer to it when shopping for new coverage, verifying protections, or addressing legal or tax matters. Keeping your declarations page within easy reach helps ensure you’re ready for whatever comes your way.
