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Decode a policy

Any policyholder · 8 min · 5 steps

How to read a declarations page

Decode named insureds, limits, deductibles, forms, and discounts so you know what you bought.

Educational only. PolicyPlain does not sell insurance and does not provide insurance, legal, or financial advice. Coverage rules and prices vary by state and insurer. Read our full disclaimer.
  1. 1

    Confirm who and what is listed

    Named insured, additional interests, vehicles/property, and address must match reality.

  2. 2

    Read each coverage with its limit

    Liability, comprehensive, collision, UM/UIM, and endorsements each have numbers.

  3. 3

    Note deductibles and special deductibles

    Glass, wind/hail, or hurricane deductibles may differ from the main deductible.

  4. 4

    Check forms and endorsements listed

    Form numbers point to booklet language that controls claims.

  5. 5

    Verify rating discounts still apply

    Multi-policy, safe driver, and protective device discounts can disappear.

Checklist

  • Names/addresses correct
  • Every coverage line understood
  • Deductibles affordable
  • Endorsement list reviewed
  • Discounts validated

Red flags

  • Vehicle missing from declarations
  • UM showing rejected without your signature recollection
  • Discount for a device you no longer have
How to read a declarations page | PolicyPlain