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Texas insurance glossary

Declarations page

The declarations page is the summary at the front of a policy naming the insured, the vehicles or property, the coverages, the limits, the deductibles and the term.

Sources checked

It is the document that settles arguments. Whether a policy carries uninsured motorist coverage, what the collision deductible is, and which drivers are named are answered there rather than from memory.

It is not the policy. The forms and endorsements listed on it are what say when the insurer pays; the declarations page says how much, on what, and for whom.

Agents shorten it to the dec page, and having it in hand is what makes any coverage conversation quick rather than speculative.

Sources: TDI — automobile insurance guide (CB020); TDI — home insurance glossary. Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Endorsement An endorsement is a document that changes a policy — adding, removing, restricting or clarifying coverage — and becomes part of the contract once it is issued.
  • Policy limits Policy limits are the most an insurer will pay under a given coverage, stated per person, per occurrence, or per policy period on the declarations page.
  • Deductible A deductible is the amount of a claim the policyholder keeps: the insurer pays the covered loss above it, and nothing at or below it.
  • Named driver policy A named driver policy is an auto policy that does not provide coverage for a person residing in the insured’s household unless that person is named on the policy.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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