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[Music] hi my name is Justin sterling Im an attorney and today were going to discuss how to read an insurance contract there are rules for reading an insurance contract an insurance policy is a very unique contract in the sense that when the contract is fully performed it is considered a loss this concept of loss has evolved as a term of art created by the insurance companies here are a few simple rules when reviewing your insurance contract 1 always copy the contract so that you can make notes and mark it up later to confirm with the insurance company that the policy is complete that is that the contract includes all of the endorsements 3 read the declarations page which gives a summary of the contract including the key terms and provisions such as this specifically named insured the address the policy period the location of the premises the policy limits and other key information that may vary among insurance contracts for all the forms and the endorsements included with the contra
