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Renters Insurance Policy Declarations

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.

Sample Renters Insurance Policy Declaration.
  • 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.

Sample Renters Insurance Policy Declaration.
  • Coverages

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

  • Deductibles

    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.

  • Discounts

    Any discounts you may have received are listed here.

  • Personal Property

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

  • 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.

Related Resources

This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. ©2021 Allstate Insurance Company, Northbrook, IL.

Please note that this website provides only a summary of renters insurance, written to illustrate in general terms how renters insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.

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