Declarations Page in Florida Homeowners Insurance Explained

In Florida homeowners insurance (HO‑3, HO‑6, DP‑3), the Declarations Page—often called the “Dec Page”—is the summary page of your policy that lists the key coverage limits, deductibles, endorsements, and policy details.

It is the first page of the policy packet and serves as the official proof of insurance for lenders, closings, and claims.

What the Declarations Page Includes

• Named insured: The person(s) covered by the policy.
• Property address: Location of the insured home or dwelling.
• Policy period: Start and end dates of coverage.
• Coverage limits: Dwelling, Other Structures, Personal Property, Loss of Use, Liability, Medical Payments.
• Deductibles: All Peril, Hurricane, and any special deductibles.
• Endorsements: Optional add‑ons such as screen enclosure, water backup, ordinance & law, sinkhole, etc.
• Mortgagee information: Lender listed for proof of insurance.
• Premium breakdown: Total premium and fees.
• Carrier information: Insurance company name and NAIC number.

Why the Declarations Page Matters

The Dec Page is the quickest way to understand what your policy covers. It is used for:

• Home closings and lender verification
• Claim filing and adjuster review
• Coverage comparisons between carriers
• Proof of insurance for HO‑3, HO‑6, and DP‑3
• Confirming hurricane deductible amounts

Common Mistakes Homeowners Make

• Not checking the hurricane deductible
• Assuming endorsements are included when they are not
• Missing changes at renewal
• Not verifying mortgagee information
• Not noticing coverage reductions

Florida‑Specific Notes

• Hurricane deductibles must be clearly listed.
• Wind mitigation credits appear in the premium section.
• Citizens policies include special surcharges and assessments.
• DP‑3 landlord policies show Fair Rental Value instead of ALE.

The Declarations Page is the most important summary of your homeowners policy and should be reviewed at every renewal.

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