The Texas Dec 1 form serves as the declaration page for a Texas homeowners insurance policy, detailing essential information about the coverage provided. This form includes specifics such as named insured parties, policy numbers, effective dates, and coverage limits for property and liability. Understanding the contents of this form is crucial for homeowners to ensure adequate protection for their residences and personal belongings.
Understanding the Texas Dec 1 form is crucial for homeowners looking to navigate their insurance policies effectively. This document serves as the declarations page for the Texas Homeowners Policy, laying out essential details that every policyholder should be familiar with. It begins with vital information such as the named insured, policy number, and the effective and expiration dates of coverage. Homeowners will find specifics regarding the construction and location of their residence, which can impact their premiums and coverage limits. The form details various coverage sections, including property coverage for the dwelling and other structures, as well as personal property both on and off the premises. Additionally, it outlines liability coverage, including personal liability limits and medical payments to others. Homeowners should pay close attention to the premium section, which highlights the basic premium, increased liability limits, and deductible amounts. Mortgage holder information is also included, ensuring that any financial interests are recognized. It’s important to remember that other coverages, limits, and exclusions may apply, so reviewing the complete policy is essential for a thorough understanding.
DEC - 1
TEXAS HOMEOWNERS POLICY
DECLARATIONS PAGE
NAMED INSURED
POLICY NO.
EFFECTIVE DATE:
EXPIRATION DATE:
AT 12:01 A.M. STANDARD TIME AT THE LOCATION OF THE RESIDENCE PREMISES/DWELLING
PREMISES ADDRESS
CONSTRUCTION:
TOWN CLASS/KEY RATE:
CITY LIMIT:
TERR:INSIDE/OUTSIDE
COVERAGES
LIMITS OF LIABILITY
PREMIUM
SECTION I – PROPERTY
COVERAGE A.
DWELLING
$
OTHER STRUCTURES
COVERAGE B.
PERSONAL PROPERTY
PERSONAL PROPERTY OFF PREMISES
SECTION II – LIABILITY
COVERAGE C.
PERSONAL LIABILITY
(EACH OCCURRENCE)
COVERAGE D. MEDICAL PAYMENTS TO OTHERS
(EACH PERSON)
OTHER RESIDENTIAL PREMISES – LOCATION:
BASIC PREMIUM
INCREASED LIABILITY LIMITS
DEDUCTIBLES ANY ONE OCCURRENCE
AMOUNT OF
DEDUCTIBLE
ADJUSTMENT
(SECTION I ONLY)
1% OF LIMITS
2% WIND/HAIL IN SECOND TIER COUNTIES
TOTAL POLICY PREMIUM
MORTGAGE HOLDER INFORMATION
(THE INTERESTS OF LOSS PAYEES, MORTGAGEES ARE AUTOMATICALLY
RECOGNIZED HEREON AS AND WHEN APPLICABLE.)
MORTGAGE HOLDER NAME
LOAN #
ADDRESS
CITY
STATE ZIP
AGENT: RAMSGATE MANAGING INSURANCE
AGENCY AT: SAN ANTONIO, TX. 78230
OTHER COVERAGES, LIMITS AND EXCLUSIONS APPLY – REFER TO YOUR POLICY
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