Reading a Declarations Page: The 10-Minute Coverage Audit Every Florida Household Should Do
· Insurance · About Insurance
Your declarations page is the summary of the deal you actually bought. Ten minutes with a highlighter tells you more than any premium comparison.
Start With Limits, Not Price
Write down Coverage A through D on the home policy and bodily injury, property damage, UM, and medical payments on auto. These numbers are your protection.
Then Read Every Deductible
Florida policies carry separate hurricane and all-other-peril deductibles. A 2% hurricane deductible on a $500,000 dwelling is $10,000 before the carrier pays anything.
Finish With the Form Schedule
The list of form numbers at the bottom is your endorsement and exclusion inventory. Ask your agent to translate any form you do not recognize.
- Take a photo of the full declarations page
- List forms you cannot identify
- Ask for the cost to add anything missing
Frequently Asked Questions
Where do I get my declarations page?
Your carrier's online portal or your agent. It is issued at every renewal and after every policy change.
How often should I review coverage?
Annually, plus after any renovation, roof replacement, new driver, marriage, or business launch.
Talk to a Licensed Florida Agent
SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.
Questions about your coverage?
Our licensed agents compare carriers to find the right protection at the right price.