If your auto insurance policy is hard to understand, you’re not alone. Because insurance is a contract, policies contain legal language—but don’t let that intimidate you.
Once you know where to look, you can review your policy confidently and ask informed questions.
We can explain your coverage and help you adjust it to fit your needs, so you can make informed decisions and advocate for yourself.
Understanding the declarations page
The declarations page summarizes the details of your auto coverage. It serves as the cover page of your insurance agreement, which reads like a legal document. Because insurers format declarations pages differently, the information may appear in a different order than shown here.
The declarations page highlights key policy details, including:
The rest of the policy contains the insuring agreement. This contract is typically about 20 pages and explains the conditions, coverages, limits, exclusions, and terms.
Review your coverage with us
This guide does not replace an agent’s expertise, but it can help you better understand your driving risks and liabilities. Call us with any questions about your coverage.
