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they are listed on the Declarations Page, but can also be found in the body of the policy itself. It is vital to understand how these modify and interact with the Insuring Agreements and Exclusions to correctly interpret your policy. It is also critical to read any Endorsements that are included on the policy. These are numbered and/or have codes in order to identify them and can alter the body of the policy by adding or restricting coverage.

Next comes the Coverage and Exclusion sections. Depending on your policy type, this may include Property Coverage which covers damage to your home and other structures or household contents and Liability Coverage which covers bodily injury and/or property damage to others that is actually or allegedly caused by you. Although insurance advisors can help with interpreting policy documents, it is important to familiarize yourself with the document itself so you know what your rights and obligations are when a claim occurs.

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It’s the first page of your actual policy contract and is followed by any required amendments or endorsements by state law and then, the main coverage forms. For example, homeowners insurance policies will include the dwelling and personal property coverage limits on the declarations page along with the insured’s name, address and the insurer’s contact information.

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