What Is A Declaration Page For Homeowners Insurance? 
An insurance policy is by it 's nature , a contract between you and your Insurance Company . In short , it stipulates the terms and conditions by which you as the insured and they as the insurer will operate and what is expected from each of you . The policy itself consists of two parts , the declaration sheet and the policy jacket . The Policy Jacket is a written detailed document ourlining the general terms and conditions of the policy . The Declaration is specific to you and your home . It names you as the insured and details both the mailing address and property location along with the amount of coverage that your particular policy provides . Your Mortgage company will also be named . Additionally , on it you will see the stated dwelling amount along with related personal property coverage and the deductible that you would be responsible for should there be a loss . You will also see the amount of Liability protection that the policy provides . In addition , you may see specific dollar limitations for certain categories of personal property . The declaration will identify whatever state rating territory you happen to be in as well as the fire protection class and finally , the annual premium that you pay will be listed for te current policy term . 