Inception Date

Plain English Definition: The start date of an insurance policy when coverage officially begins.

What Inception Date really means for someone with an insurance policy

The inception date is crucial because it determines when coverage starts. Any claims made before this date will not be covered by the policy.

Inception Date Real World Examples

• A homeowner’s policy with an inception date of January 1 means coverage starts from that day.
• If you purchase car insurance on June 15 with a July 1 inception date, you won’t be covered until July 1.
• A health insurance policy starting on your employment date has an inception date matching your job’s start date.