Learn about your home insurance declarations

A Home Insurance Policy Declarations is the document that outlines the coverage, limits and deductibles you've purchased. You'll receive a new Declarations every renewal period, which is usually every year. You should always read through your renewal to make sure it's accurate, you have sufficient coverage for the things you love and you're up to date on any changes in premium and other important info.

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How to read your home insurance policy declarations

Take a look at the sample renters insurance policy declarations below to learn where you can find important information.

Homeowners insurance policy declarations 

Policy period

Renters policies typically cover a one-year period. Pay your policy by the due date, and your policy automatically continues for the time period shown.


Location of property

This shows the address of the insured property.


Total premium

This shows the total premium you will pay for the policy period.

Homeowners insurance policy declarations page 2 


This shows all the coverages you have as part of your renters insurance.



A deductible is the amount you pay out of pocket when you file a claim for a covered loss*. Your policy's deductibles will be shown under each coverage.



Any discounts you may have received are listed here.


Personal property

This shows whether you've chosen Actual Cash Value or the Reimbursement Provision.

Letter h 

Limits of liability

This shows the maximum amount Allstate will pay for each covered loss*.

*What does "covered loss" mean? It's an insurance term that means a loss that falls within the bounds of the policy. Throughout this guide, when we refer to a loss, we assume it is a covered loss.