Which section of an insurance policy would you reference to understand what is not covered?

The section of an insurance policy that provides details on what is not covered is the exclusions section. This part of the policy explicitly outlines the specific situations, events, or conditions under which coverage does not apply. By detailing exclusions, the insurer sets clear boundaries about the limits of coverage and helps policyholders understand the risks that remain their responsibility.

Understanding exclusions is crucial for policyholders, as it allows them to make informed decisions about their coverage needs, clarify any potential gaps in protection, and avoid surprises during the claims process. Knowing what is excluded can prompt individuals to seek additional coverage or endorsements if they feel certain risks are significant to their particular circumstances.

The other sections, while important, serve different purposes in the insurance policy. Conditions generally provide the rights and duties of both the insurer and insured, endorsements modify coverage, and declarations summarize the basic information like policyholder details and coverage limits.