What part of an insurance policy personalizes the contract?

The declarations section of an insurance policy is essential for personalizing the contract because it includes specific information that defines the insured party and the coverage in force. This section typically contains details such as the name of the insured, the policy number, the property covered, the effective dates of coverage, and the coverage limits. By specifying these details, the declarations help to tailor the policy to the unique needs and circumstances of the insured individual or entity, ensuring that the coverage aligns with their particular situation.

Endorsements may modify or add to the coverage but are not the foundational elements that personalize the contract. Meanwhile, the coverage section outlines the terms and scope of coverage, and exclusions define what is not covered, but neither of these sections holds the specific identifying information that makes the policy unique to the insured. The declarations are crucial in establishing a clear and personalized contract between the insurer and the insured.