Home Insurance Declaration Form Template

Must Ask Home Insurance Declaration Questions

1. What is the property's full address and occupancy status?

   This pins down location-specific risk, fire protection class, and rating. Occupancy (primary, seasonal, rental, or vacant) changes eligibility, price, and required endorsements.

2. Who are the named insureds and additional interests, with contact details?

   Listing all parties (you, spouse or partner, trust, and any mortgagee) ensures the correct legal names and where to send documents. Accurate emails and mailing addresses reduce back-and-forth and speed proof of coverage to your lender.

3. What coverages, limits, and deductibles do you want?

   Clear selections for dwelling, other structures, personal property, loss of use, liability, and medical payments avoid guesswork. Stating deductibles and optional endorsements up front prevents disputes at claim time.

4. What year were key systems updated, and what protective devices are installed?

   Roof age, wiring, plumbing, heating, alarms, and water sensors affect risk and credits. Documented upgrades can qualify you for discounts and faster underwriting.

5. Have there been any property losses at this address in the past five years?

   Loss history impacts pricing and eligibility, so capture date, cause, amount paid, and repairs. If you also track other claim types in this account, the Worker compensation claim form uses a similar structure.