When you sign up for homeowner’s insurance, you will be given a declaration page which outlines the details of your policy.

This page is updated only when the policy is renewed for another term. Most policies only last one year, and any updates or changes will be reflected on the declarations page.

Keep reading to see what to expect on your declaration page.


The first section will be a summary. This is a broad summary of information on the homeowner’s policy you bought. Information under the summary section can include:

  • Location of the property
  • Policy number
  • Policy type
  • Premium

Coverages & Deductibles

This section shows what physical things and structures will be covered under the policy. Any deductible amount will be listed too, such as how much the homeowner will pay after filing a claim.

Here are a few common coverages listed in this section:

  • Dwelling: house and attached structures
  • Other structures: unattached structures (fences, shed)
  • Personal belongings
  • Personal liability
  • Medical payments to others

Optional Coverage & Endorsements

This section will include any additional coverage added to the policy for additional fee. Here are a few common add-on coverages:

  • Extended replacement cost
  • Sewer backup coverage
  • Earthquake coverage

Home Insurance Discounts

Finally at the end of the declarations page will be any discounts that homeowner’s qualify for. A few common discounts can include:

  • Multi-policy discount
  • Claims-free discount
  • Alarm system discount

Payne Insurance Group

Be sure to speak with your insurance agent to be clear about any type of additional coverage or discounts you may qualify for.

If you’re looking to get affordable insurance, contact Payne Insurance Group today!

Payne Insurance Group provides insurance for auto, home, commercial, and much more! Payne Insurance Group has partnered with over 13 businesses across the Rio Grande Valley, As a result, we have created a one-stop-shop for all types of insurance!

Get your FREE insurance quote today!