What are renters policy declarations?

Renters Insurance Policy Declarations is the document that provides an overview of the coverages, limits and deductibles you've purchased. You'll receive a new declarations document each time you renew your policy, which is typically every year. It's a good idea to read through your renewal documents to make sure everything's accurate, you have the coverage that fits your needs and to make sure you're up to date on any changes to your premium and other important information.

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How to read your renters insurance declarations page

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

Renters insurance policy declarations page 1 

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.

Renters 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.