NEVER Shop Around Insurance With Just Your Dec Page. Here’s Why:

When it comes to insurance, many people make the mistake of assuming that all policies are the same. They think that as long as the coverage amounts and deductibles match, they can simply choose the first policy they come across and be done with it. However, this is far from the truth.

What is a Dec Page?

An insurance declaration page also known as a “dec page” summarizes the insurance coverage provided by the policy. The declaration page is usually the first page of your policy, and you should receive a new declaration page for each renewal period.

Why You Don’t Shop Insurance with Your Dec Page

One critical mistake that people often make is to shop around with their declarations page or dec page. It might seem like a good idea to use your dec page as a reference when shopping for insurance, but it’s actually a major mistake.

The reason why shopping around with your dec page is a mistake is that while the coverages might seem the same, the exclusions are usually completely different. Every insurance policy has exclusions, which are specific situations or events that the policy doesn’t cover. For example, if you have a homeowners insurance policy, it might exclude coverage for certain types of damage caused by floods, earthquakes, or other natural disasters.

When you shop around with your dec page, you’re only looking at the coverage amounts and deductibles. You’re not taking into account the exclusions that might be present in each policy. As a result, you could end up choosing a policy that seems to offer the same coverage but actually excludes certain situations that are important to you.

How Should I Shop Insurance?

So, what should you do instead? The best approach is to shop around for insurance by comparing full policy documents. This means that you should request and review the full policy documents for each policy that you’re considering. These documents will include all of the details of the policy, including the exclusions.

By comparing the full policy documents, you can make sure that you’re choosing a policy that provides the coverage you need, without any unexpected exclusions. This approach might take a little more time and effort, but it’s well worth it in the long run. By making sure that you have the right coverage for your needs, you can have peace of mind knowing that you’re protected, no matter what happens.

Next Steps

Are you in need of someone who can secure your future with a bullet-proof insurance package? With advisors, engineers, professionals, and a surplus of over 300 carriers to choose from, E3 Insurance is the perfect fit to craft you a one-of-a-kind policy made to protect your future.

Fill out the form below to start crafting your one of a kind insurance… done right.

Sherry BermanSherry Berman
17:55 08 Dec 22
We just moved over to e3 with Chris Stone, 1 1/2 years ago. Our house flooded during snowmeggedon in Texas last February. The insurance companies were overwhelmed with phone calls from Texas. Our insurance company was not responding to us on a timely basis, and because of the supply chain shortage, we knew we needed to act quickly. Chris knew who to talk to at our insurance company, and was a total advocate for us and made sure that our needs were being taken care of. Our last insurance agent was the advocate for the insurance company, not us. Chris knows the business inside out. He guided us along the process of what to do. e3 represents many different insurance companies, which gives Chris the ability to guide you into the best policy that meets your needs. He explains the insurance lingo in layman terms, and makes sure that you and your family are protected. My husband and I totally trust Chris to give us the best policy with in our budget.
Andy BermanAndy Berman
21:56 07 Dec 22
e3 Insurance and Chris Stone are simply the best!! After experiencing a flood in our house and a total redo necessary, Chris made the experience completely seamless!! There simply is no one better!!
Alex ThipkhosithkunAlex Thipkhosithkun
19:32 03 Nov 22
I can't say enough good things about Chris at e3 Insurance. He really is an expert in his field and was really helpful and thoughtful through my home and car insurance purchasing experience. But it doesn't stop there. Recently, I was facing a relatively stressful plumbing situation with my newly purchased house and after talking to Chris and putting me in contact with the right people, they had someone come out THAT afternoon-- Amazing!
Austin SandozAustin Sandoz
14:45 06 Oct 22
Chris was a client of mine for a long time. When I reached out to get a quote I was blown away. I found out my brand-new 2022 Jeep was severely underinsured and I had little to no protection for my assets.After comparing my old policy side by side with my new policy he was able to quadruple my coverage and protect my assets for LESS than what I was paying before. When it's done right, it's done right.
Sheryl KlousiaSheryl Klousia
14:29 06 Mar 22
Chris has been extremely helpful in finding us great policies for house and car insurance. He reviews our policy yearly to ensure we are getting the best rate and best coverage… and recommends changing when needed. We are very satisfied with his service… he has saved us so much over the 3 years that we have been with him ! So glad we found him. Our kids all use his services also !

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