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A homeowners insurance declarations page is a snapshot of the home insurance policy that includes vital information about the insurance company and policy. By reviewing your declarations page, you ...
Some home insurance companies will refer to it as the dec page or the policy declaration page. Here is a list of information that can usually be found on your declarations page of insurance:
Allstate stopped issuing new homeowner policies in the state in 2022 and said last year that it would reverse its decision if it was allowed to account for the costs of reinsurance when setting rates.
Allstate's slogan "You're in good hands" was created in the 1950s by Allstate Insurance Company's sales executive, Davis W. Ellis, based on a similar phrase he used to reassure his wife about a doctor caring for their child. It has been the slogan ever since 1950. [7] Allstate also refer to themselves as the "Good Hands People".
Declarations - Identifies who is an insured, the insured's address, the insuring company, what risks or property are covered, the policy limits (amount of insurance), any applicable deductibles, the policy number, the policy period, and the premium amount.
A loss payee clause (or loss payable clause) is a clause in a contract of insurance that provides, in the event of payment being made under the policy in relation to the insured risk, that payment will be made to a third party rather than to the insured beneficiary of the policy.
Key takeaways. The most common type of homeowners insurance policy is the standard HO-3 Special Form policy. HO-5 policies offer the broadest coverage of all policy types.
Filing a home insurance claim might make the most sense when the loss estimate is more than your deductible. Any claim, even a minor one, might lead to an increase in your home insurance premium.
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