What is the purpose of the Dec page in an insurance policy?

The Dec page, or declarations page, in an insurance policy serves as a summary of the key components of the policyholder's coverage. This page typically includes vital information such as the policyholder's name and address, the effective dates of the policy, the coverage limits, the types of coverage included, and the premiums associated with those coverages. The Dec page acts as a quick reference guide for both the insurer and the insured, summarizing the essential details that clarify what is covered and at what cost.

In contrast to the Dec page, other sections of the policy serve different functions. The conditions of the contract, or the policy’s terms, are detailed elsewhere in the document. Similarly, definitions and endorsements, which explain specific terms or adjust the coverage, are not found on the Dec page. Exclusions, which specify what is not covered by the policy, are also detailed in a separate section, further emphasizing that the Dec page's role is strictly to summarize coverage and premiums.