What section of an insurance policy details the perils that are not insured against?

The section of an insurance policy that details the perils that are not insured against is known as exclusions. This section serves a crucial role in clarifying which specific risks or incidents the insurance policy does not cover. By outlining exclusions, the insurer provides transparency regarding the limitations of the policy, helping policyholders understand what is and is not included in their coverage.

For instance, standard exclusions might include certain natural disasters, intentional acts, or specific types of property. Knowing these exclusions is important for policyholders to assess their coverage needs properly and to make informed decisions about whether they require additional coverage options or endorsements to protect against those excluded perils.

In contrast, the other sections mentioned have different purposes. For example, conditions outline the responsibilities of both the insurer and the insured once the policy is in effect, definitions clarify the terminology used in the policy, and endorsements refer to modifications or additions that change the terms of the original policy. Each of these plays an important role in the overall structure of an insurance policy but does not focus specifically on the perils that are not covered.