Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Oct 30, 2020

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Insurance contracts are complicated documents and they usually contain many pages of complicated legal language, in order to protect both the client and the insurer. However, this material does not make for the easiest of reading. In order to save time, the key points of the policy and information relating to both the customer and the insurer may be summarized as an insurance declaration – which is a single page highlighting these aspects of the policy, insurer, and policyholder.insurance declarations

What may be included in an insurance declaration?

The actual information detailed in the insurance declaration will vary from insurer to insurer, and may be affected by state laws governing the insurance documentation however you can expect to find some or all of the following information in your insurance declaration:

  • The name and address of the policyholder – you should check this information and make sure it is correct, and update the insurance company as necessary
  • The name and address of the insurer – this is so you can contact your insurer in the event of a claim. If this changes your insurer will try and let you know
  • Further details on how to contact the insurer – this may include e-mail addresses, website address, and customer contact numbers. It also may show some detail on how to make a claim in the eventuality of an incident covered by the policy.
  • What the policy is for and what is covered under the policy – this is a general statement of the major terms and conditions of the policy, further detail will be found in the full contract
  • The validity period of the policy – the coverage period will be found here, outside of these dates the insurance will not pay any benefits
  • Endorsements, additions, changes, and discounts – this section will detail any additional relevant information regarding conditions of the policy

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Is the declaration proof of my insurance?

Yes, but you will also be sent an insurance card as a simpler form of verification that you can carry with you. The difference is that the declaration is there to give you the key details of your policy and to help you in the event of a claim.

If you do not have proof of insurance you should contact your insurer to obtain this proof, as in the event of an accident you will be expected to provide this.

Additional “Insurance Declarations” Definitions