When you purchase a homeowners insurance policy, when you renew your policy, or when you make any changes to your policy, the company will give you a document called a “Declarations Page.” The Declarations Page identifies the kinds and amounts of coverage you have and how much it will cost you.

How to get an insurance declarations page. Your insurance company will usually send your insurance policy declarations page automatically as soon as you sign up for auto or home insurance. You'll find it at the beginning of your policy documents, which you may receive by email, fax, or regular mail.

Not all denials are unfair. Take out your denial letter from Liberty Mutual and closely analyze the reason given for not paying out a claim. For example, the following are some common situations where Liberty Mutual might have a valid reason for denying a claim: The policy doesn't cover the accident or damage.

Yes! When you're purchasing a home or auto, your lender will require proof of insurance. Your declarations page can show your lender that you have the coverages and limits they require. You can also use your declarations page as proof of insurance if you lose your auto insurance ID card.

1. Get a copy of your declaration page. You can get your declaration page online by logging into your account. You can also find it on the Liberty Mutual Mobile app.

Actual Cash Value: Current market value of lost or damaged property at the time of a covered loss. For example: The value of a 3-year-old vehicle is based on the value of similar 3-year-old vehicles selling on a used lot. In a home policy, actual cash value is the replacement cost of the property, minus depreciation.

Declarations/Declarations Page: The part of an insurance policy that provides detailed information about the policyholder, the insurer, and the various coverages provided by the policy. It can be thought of as a summary page with key information about your insurance policy and coverages.