It is very important to have your current declarations page so you can compare apples to apples. In the last few years more coverages have been added that some people have never updated on their policy, so it’s important to have those conversations while reviewing your insurance.
Yes — your current declarations page is the single most useful document you can hand an agent before getting a quote. Without it, the comparison is guesswork. With it, the comparison becomes apples to apples. Hicks’s short answer above sums it up; here is the longer explanation of why this one document carries so much weight.
Your declarations page (sometimes called the dec page) summarizes every meaningful detail of your policy in one or two pages. It lists the named insured, the address, the policy period, every coverage, every limit, every deductible, every endorsement, and every premium component. For auto, it lists every vehicle, every driver, and every coverage selection per vehicle. For home, it lists the dwelling amount, contents amount, liability limit, deductibles, and any optional endorsements such as water backup, sewer and drain, or scheduled jewelry. Our note on what information you need for an accurate quote goes through the full list.
If we don’t have your declarations page, we are not quoting your coverage — we are guessing at it. Those are two very different conversations.
Over the last few years, carriers have rolled out new coverages and changed how existing ones work. Many homeowners have not updated their policies in years and may be missing newer endorsements entirely. Roof settlement provisions have changed at several carriers, water-related coverage has split into more granular options, and personal property sub-limits have shifted. A real review surfaces those gaps. Without the dec page, those conversations don’t happen. For context on the most common missed coverages, see our breakdown of how to tell if your coverage is outdated and the related guide on coverage gaps to watch for when switching. The roof-specific discussion in whether the new home policy covers your roof properly is also worth reading if your roof is more than ten years old.
Most carriers post the declarations page inside their online account or app under “documents,” “my policy,” or “renewal documents.” You can also call your current agent or carrier and ask them to email it. Once we have it, the rest of the conversation moves quickly — we can match your existing coverages, identify what’s missing, and quote across our carrier roster without playing twenty questions. If you’d like to compare a few personal insurance options against your current dec page, send it over with a personal insurance quote request and we’ll handle the rest. Customers with business coverage can do the same on the commercial side, where the dec page matters even more because of certificates and endorsements. The same logic applies to comparing auto coverage line by line.
Give us a call today and we can help.
Website Made By Aelieve Digital Marketing
