Understanding Homeowner Policy Declarations Page

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Understanding Your Homeowner Policy Declarations Page
Your homeowners policy declarations page is the first page (or more) of your policy. It summarizes key information that is unique to your policy, including the named insured, property location, your coverages and their limits, and your yearly premium.
 
You receive a declarations page when you purchase a new policy and each time you renew or make changes to your policy. As soon as you receive the declarations page, take a few moments to review your policy information to make sure it’s correct and reflects the coverage you currently need. If you wish to add or update any coverages, please contact your agent or visit the Customer Service Center.
 
The following definitions will help you understand each section of your declarations page and the particulars of your coverage with The AARP® Homeowners Insurance Program from The Hartford.1
 

Named Insured and Mailing Address

This is the name and mailing address of the policyholder and their spouse, if they are married. The mailing address may differ from the location of the insured dwelling.
 

Policy Period

Here, the dates and times your coverage begins and ends are listed. The Hartford’s homeowners policy covers a one-year period.
 

Producer Name

Here, you’ll find contact information if you have questions about your policy and for our claim service. If you purchased the policy through an agent, the agent’s contact information is provided. If you purchased your policy directly with The Hartford, either online or over the phone, The Hartford’s toll-free customer service and claim service numbers are provided.
 

Total Policy Premium

This is the total amount you will pay for the policy period.
 

Coverages and Limits of Liability

This section itemizes the coverages you have elected and their limits of liability – or in other words, it lists the maximum amounts The Hartford will pay in the event of a covered loss.
 

Section I: Property Coverage

  • Dwelling Coverage pays for damage caused by a covered loss to the physical structure of your home and any structures attached directly to it. This includes damage to fixtures, such as plumbing, heating, electrical wiring, and permanently installed air-conditioning systems. The limit of liability is the replacement cost, or the amount required to rebuild your home in the event of a total loss.
  • Other Structures Coverage covers structures on your property that aren’t attached to your home, such as a detached garage or a shed.
     
  • Personal Property Coverage covers the contents of your home, including furniture, clothing and appliances, even when they aren’t on your property, such as those at an off-site storage locker or with your child at college.
  • Loss of Use Coverage pays for your temporary living expenses if you can’t stay in your home due to a covered loss.

Section II: Liability Coverage

  • Personal Liability Coverage covers property damage and bodily injury to others for which you or a family member who lives in your home are held legally responsible. It also provides for your legal defense against a liability lawsuit.
  • Medical Payments Coverage covers any medical bills incurred by someone who is injured on your property.

Deductible Section1

This indicates the amount you will pay out-of-pocket for any claim submitted for coverage under Section 1 of your policy.
 

Residence Premises Address

This indicates the address of the insured property.
 

Rating Information

This section identifies the unique characteristics or features of the insured property that are used to calculate the policy premium.
 

Forms and Endorsements

These are provisions that add to or change the terms of your original insurance contract and allow you to customize your coverage to meet your individual needs. Below is a sample of some of the standard endorsements that may be included in your policy – just some of the unique features we offer AARP members:
 
  • Personal Property Replacement Cost Loss Settlement (or “New-for-Old” Protection): If your personal property is destroyed by a covered loss, we’ll help pay the cost to replace it with brand new items of the same quality. Certain types of personal property, such as antiques, collector items, and fine art are excluded from this endorsement.
    ProtectorPLUS Zero Deductible Benefit: This waives up to $5,000 of your homeowners insurance deductible if you experience a qualifying loss.
  • Extended Replacement Cost Coverage: If you insure your home for 100 percent of its rebuilding cost, we’ll pay the full cost to rebuild your home up to 125 percent or 150 percent of the stated limits for your dwelling.

Credits or Discounts

Any credits and discounts on your policy premium for which you qualify are itemized here.
 

Items Enclosed for Review

Important notices about your policy and specific coverages are listed in this section. To read each notice in its entirety, refer to the corresponding form included with your policy documents.
homeowners insurance definition

Homeowners Insurance in Plain English

Quick answers and easy-to-understand homeowners definitions written with you in mind.
 
To learn more, read through our homeowners insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
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