Reading a policy declaration (commonly referred to as a "Dec Page") can seem overwhelming, but it's essential to understand the details of your insurance coverage. The declaration page is a summary of the key information in your insurance policy. Here's a step-by-step guide to help you read and understand it:

• Policyholder Information: The declaration page will have your name, address, and other relevant personal information. Verify that all the details are accurate.
• Policy Number and Effective Dates: Locate the policy number, which is a unique identifier for your insurance coverage. Also, note the policy's effective dates, indicating when the coverage starts and expires.
• Coverage Types and Limits: Look for a section that lists the types of coverage you have purchased, such as liability, property, comprehensive, collision, etc. Next to each coverage type, there will be specific coverage limits. These limits determine the maximum amount the insurer will pay for a covered claim.
• Premiums and Deductibles: The declaration page will show the total premium you need to pay for the policy term. It will also indicate the deductible amount, which is the portion of the claim you're responsible for before the insurance kicks in.
• Additional Insureds: If you have added any additional insured parties to your policy, such as a spouse or business partner, their names may be listed on the declaration page.
• Endorsements: The declaration page might mention any policy endorsements or riders. These are additions or modifications to the standard policy that can alter the coverage in some way. Make sure you understand how these endorsements affect your policy.
• Policy Exclusions: The dec page may include a section outlining specific events or circumstances that the policy does not cover. Pay attention to these exclusions to understand what is not protected.
• Policy Period and Renewal Information: Note the start and end dates of the policy term. Additionally, check if there is any information about the policy's automatic renewal or instructions on how to renew the coverage when it expires.
• Contact Information: The declaration page should provide contact details for your insurance agent or the insurance company's customer service. This information is helpful if you have any questions or need to file a claim.
• Review and Ask Questions: Take the time to carefully review the entire declaration page. If you have any doubts or concerns, don't hesitate to reach out to us. They can clarify any confusing terms or explain the coverage in more detail.

Understanding your policy declaration is crucial to ensure you have the right coverage for your needs and that you're aware of any limitations or exclusions. If there's anything you're uncertain about, always seek clarification from State Wide Insurance.

Call us at 203-440-9550 to go over your Dec Page OR to get some free quotes!