What section of an insurance policy lists what is not covered?

In an insurance policy, the section that outlines what is not covered is known as the exclusions section. This part of the policy is critical because it clearly specifies the circumstances, events, or types of damages that are not protected under the policy's terms. By detailing these exclusions, the insurer provides transparency about the limitations of coverage, helping the policyholder understand exactly what risks are not insured.

This information is crucial for policyholders to make informed decisions about their coverage needs and to consider whether additional insurance or endorsements may be necessary to cover specific risks that are deemed excluded.

The other sections of an insurance policy serve different purposes. For instance, the conditions section outlines the obligations of both the insurer and the insured, while the declarations section provides important information about the policyholder and the specifics of the coverage. Endorsements refer to modifications or additions to the original policy, but they do not typically pertain to exclusions of coverage. Therefore, the exclusions section is the key area that defines what is not covered under the insurance policy.