What does the declaration section of a policy describe?

The declaration section of an insurance policy serves as a summary that typically includes critical information about the insured party and the specifics of the coverage. It delineates the "who," which is the identity of the insured; the "what," which specifies the type of insurance or coverage being provided; the "where," indicating the location where the coverage applies; and the "when," which encompasses the effective dates of the policy.

This section is crucial because it sets the framework for the policy, providing the foundational details that clarify the scope of coverage. By clearly stating these elements, the declaration section allows both the insurer and the insured to understand the essential aspects of the agreement, ensuring that there is no confusion about the parties involved or the terms of coverage.