Understanding Your Declarations Page

Your insurance declaration page, also known as the dec page, summarizes the information essential to your insurance coverage. It includes your name and address, descriptions of the insured property and your premium. It also outlines your policy's coverages, limits, deductibles, discounts and relevant insurance policy forms and endorsements.

Each separate insurance policy (homeowners, car, renters, etc.) will have a separate declaration page. Here’s a quick snapshot of what you’ll find on each page:

Named insured. At the top of the page, you will see the name and address of at least one named insured. The first person named is the primary named insured. There can be multiple named insured — these are the policyholders.

General policy information. At the top of the page, you’ll see the policy number, policy period and billing account number. Your policy number and billing account number are used to identify and pay for your specific policies, while your policy period states your policy’s effective and expiration dates.

Discounts. After your policy information, you’ll find any discounts applied to your policy. Don’t see any? Get in touch with your American Family Insurance agent to see if you’re eligible for any savings!

Insured property. Moving down, you’ll find information on your insured property. For example, an auto policy declaration page will include your vehicle information — make, model, year and vehicle identification number. A home or renter’s policy will include the address and type of residence.

Coverages and limits. The bulk of info in the middle of the page will highlight your coverages, limits and deductibles. You’ll also see the premium, or cost, associated with each level of coverage. Your total premium will appear below your policy number, policy period and billing account number.

Policy forms and endorsements. Some of your policies or endorsements will have specific forms that detail specifics of your coverage. Those form numbers may appear on your declarations page as a point of reference for you and your agent.

Agent contact information. At the very bottom of your declarations page you’ll find your American Family Insurance agent’s contact information. Have a question? Give them a call — they’re always happy to help.

Where Do I Find My Insurance Declarations Page(s)?

Log in to your My Account to access your insurance declaration page(s).

To access your My Account, follow these steps:

  1. Go to www.amfam.com
  2. Hover your cursor over Sign In/Up
  3. Enter your credentials into the Email or User ID and Password fields
  4. Click Policies
  5. Click a policy
  6. Click Documents
  7. Click a declaration page

Having trouble understanding some of the insurance terms on your declarations page? Don’t worry — our basic insurance term glossary has all the definitions you’ll need from a to z. Still have questions? Get in touch with your agent today.


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Related Topics: Insurance Terms , Insurance Needs , My Account