What usually governs the policy duration?

The specifics listed on the declaration page typically govern the policy duration because the declaration page is a crucial component of an insurance policy. This page outlines key details such as the policyholder's name, coverage amounts, policy limits, effective dates, and the duration of the policy. The information found here serves as the official term of the insurance contract, making it essential in defining how long the policy will be in effect.

While the insured's request can influence the coverage or terms, the declaration page ultimately formalizes those elements, including the specified duration. The location of the insurance provider may inform regulatory requirements or market practices, but it does not dictate the duration of a specific policy. Similarly, the type of coverage selected can impact other terms of the policy but is not the primary governing factor of duration, as that is explicitly detailed in the declarations.