Most Alabama insurance policies have similar sections. Knowing your policy details will ensure you are properly covered and understand what your policy covers and doesn’t cover.
Typically, your first page is the Declaration Page. This page will list all the key information including:
- Names and addresses
- Dates of Coverage
- What is covered
- Limits of the coverage
The Coverage and Limits of Liability section will give you a summary of the coverage limits which will be paid in the event of a loss.
The Conditions section will explain the responsibilities of the insured that must be met and the Exclusions portion will explain what is not covered in the policy.
Most policies also have an Endorsement and Riders section which includes the provisions that add to, delete, or modify the original policy. It is important to read and understand if these optional changes will affect whether the policy still meets your coverage needs.
If you have any questions regarding your current policy or want a quote on a new policy, just contact the agents at Diamond Assurance Group in Alabama.