In a property or liability policy, whose name appears first on the declarations page?

In a property or liability policy, the first named insured is the individual or entity whose name is listed first on the declarations page. This designation is significant because the first named insured typically has certain rights and responsibilities that are not automatically given to other insured parties. For instance, this individual may have the authority to make changes to the policy, pay premiums, or receive any refunds from the insurance company.

The first named insured often holds the primary interest in the insurance coverage and is regarded as the main policyholder. Other insureds, including last named insureds or additional insureds, may have coverage under the policy but do not usually have the same level of authority or primary responsibility as the first named insured. This structure helps to clarify roles and responsibilities among all parties covered under the policy.