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Homeowners Insurance Made Simple


How to Read Your Homeowners Policy Declarations

The Allstate Homeowners Policy Declarations “declares” the choices you’ve made for the policy you’ve bought.

The first page is a summary of your coverage.

Subsequent pages provide more detail.

The Allstate Homeowners Policy Declarations “declares” the choices you've made for the policy you've bought.

A home showing where home insurance will help protect your family.

The first page is a summary of your coverage.

A. Policy period. Home policies typically cover a one-year period.

B. Location of property. This shows the address of the insured property.

A home showing where home insurance will help protect your family.

Subsequent pages provide more detail.

C. Coverages. This shows all the coverages you have as part of your homeowners insurance.

D. 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.

*Covered loss is an insurance term that means a loss or damage that falls within the bands of the policy. Throughout this Made Simple section, when we refer to loss or accident, we assume it is a covered loss.

E. Discounts. Any discounts you may have received are listed here.

Questions? Want to make changes to your coverage? Call your local Allstate Agent or 1-800-ALLSTATE.

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