How to Read Your Home and Auto Insurance Policy: A Simple Guide

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Insurance policies can feel overwhelming, full of technical language and fine print. But knowing how to read your home and auto insurance policy is one of the best ways to make sure you have the right protection. At Kiesling Insurance Agency, we believe understanding your coverage should be simple.

This guide will walk you through the main parts of a home and auto policy so you can feel confident in what’s covered—and what isn’t.

Why It’s Important to Understand Your Insurance Policy

Too often, people only open their policy after something goes wrong. By learning how to read it now, you can:

  • Make sure your coverage limits are enough to protect you.
  • Avoid surprises when filing a claim.
  • Identify gaps and add optional coverage if needed.

Key Sections of Your Insurance Policy

  1. Declarations Page (Dec Page)

The declarations page is your coverage summary. Here’s what you’ll usually find:

  • Policyholder information (name, address, policy number)
  • Coverage dates (start and end)
  • Coverage types and amounts
  • Deductibles
  • Premium (your cost)

👉 Think of it as the “snapshot” of your policy.

  1. Definitions Section

Every policy has a glossary of terms. Words like “accident,” “dwelling,” or “replacement cost” may not mean what you think. Reviewing this section helps you understand exactly how your insurance company defines coverage.

  1. Coverage Details

This is where your policy spells out the protections included:

  • Auto Insurance Coverages: Liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist.
  • Home Insurance Coverages: Dwelling protection, personal property, liability coverage, additional living expenses, and coverage for other structures.

👉 Make sure these match your needs and lifestyle.

  1. Exclusions and Limitations

Exclusions show what’s not covered by insurance. Common examples include:

  • Flood or earthquake damage (often excluded from standard home policies).
  • Limits on valuables like jewelry, electronics, or collectibles.

👉 Knowing exclusions helps you decide if you need extra policies or endorsements.

  1. Conditions and Endorsements
  • Conditions: Rules for filing a claim, coverage requirements, or policyholder responsibilities.
  • Endorsements (Riders): Optional add-ons that customize your policy, like water backup coverage for homes or roadside assistance for cars.

👉 These extras ensure your insurance coverage is tailored to your situation.

  1. Contact Information

Don’t overlook this! Always know how to quickly reach your insurance agent or company to file a claim, ask questions, or adjust your policy.

Tips for Reading Your Policy More Easily

  • Start with the declarations page before diving into the fine print.
  • Use sticky notes or highlights to mark sections you don’t understand.
  • Call your insurance agent to explain confusing terms or exclusions.

Final Thoughts: Get Help Understanding Your Insurance

Your home and auto insurance policy doesn’t have to be intimidating. Once you know what each section means, you’ll have peace of mind knowing you’re properly protected.

At Kiesling Insurance Agency, we take the time to explain your coverage in plain English. Whether you’re reviewing a new policy or updating your current one, we’re here to help.

📞 Have questions about your insurance? Call Kiesling Insurance Agency at 469-447-5500 today—we’ll walk through your policy together.