How to Find Your Liberty Mutual Declarations Page
Your declarations page displays the most important information about your insurance policy. Review our step-by-step guide to access yours from Liberty Mutual.
What does a Liberty Mutual declarations page look like?
A declarations page (often called a 'dec' page) is a one-page summary of your insurance policy. It includes details such as your name, policy number, coverage types, limits, deductibles, premiums, and policy dates. For auto insurance, it also lists your covered vehicles and drivers.
For Liberty Mutual customers, your declarations page will look similar to the example featured below but with specifications based on your policy type.
What a declarations page typically includes:
- Policy number: This is your unique policy number, which you’ll need when filing a claim.
- Policy term: Lists the effective date and expiration date of your policy.
- Policyholder name and address: The address listed must be the policyholder's (if auto, this is where the vehicle is kept).
- Property information: For an auto policy, this includes the car's make, model, year, and VIN.
- Coverages, limits and deductibles:
- Auto policies include limits for bodily injury and property damage liability (required) and any elected coverages such as comprehensive, collision, etc.
- Home policies include personal property, loss of use, personal liability, and other coverages you have included in your policy.
- The limits list the maximum amount each coverage will pay and any required deductible, which you must pay out of pocket.
- Premium: The amount you’ll pay over the policy term. It can be listed as a six-month or one-year total.
The above example displays declarations page of a landlord insurance policy.. This is a sample document for instructional purposes only, not a guarantee of specific customer results.
How to Read a Car Insurance Policy
Make sure you know where to find important information on your policy documents.
How to find your Liberty Mutual declarations page online
Once you’ve logged into your Liberty Mutual account, find “Policies” on the left side of the home page.
Under "Policies," find the appropriate policy and click on it. Within this page, click “View policy documents.”
In the “Policy” tile, click the “Access” button.
Zebra tip: Renewal is a great time to shop around
If your policy renewal premium was higher than you're happy with, consider comparing quotes with other companies. Now that you've found your declarations page, you can compare coverage exactly and ensure you are getting quoted for a comparable policy.
"A lot of people focus only on the cost of insurance without truly comparing coverage apples to apples. I always encourage folks to go line by line through their policy before switching. Often, you’ll discover that certain coverages were removed, limits were lowered, or deductibles were increased. It’s essential to ensure all coverages are equal first, and then compare the price."
Katie Gold — Head of Agency at The Zebra
How to Read a Homeowners Insurance Policy | The Zebra
Homeowners insurance policy documents may seem intimidating, but we break it down so that you know exactly what your policy covers.
When would I need my declarations page?
Your auto insurance declarations page clearly summarizes your coverage, including limits, deductibles, and premiums. You’ll need it to file a claim, show proof of insurance after an accident or traffic stop, or share it with a lender, dealership, or vehicle registration office. It’s also helpful for comparing policies or reviewing your coverage before making updates or renewing.
Your home insurance declarations page is a concise policy overview and serves as proof of coverage. It’s useful for filing claims, meeting mortgage or HOA requirements, or renewing your policy. You might also refer to it when shopping for new coverage, verifying specific protections, or addressing legal or tax matters. Keeping these pages readily available ensures you’re prepared for any situation requiring your insurance details.
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