Where are the items that the insurer will not cover found in an insurance policy?

The items that the insurer will not cover are found in the exclusions clause of an insurance policy. This section specifically outlines the situations, conditions, or events that the policy does not insure against. By clearly stating these exclusions, the insurer ensures that both the insured and the insurer have a mutual understanding of the limitations of coverage.

The exclusions clause is essential because it delineates boundaries for coverage, allowing policyholders to know what is not included in their protection. This helps prevent potential misunderstandings regarding claims and the scope of the insurance provided. In contrast, the other sections of the policy, such as the conditions section, the declarations page, and the coverage summary, serve different purposes. The conditions section outlines the obligations and rules that both parties must follow, while the declarations page provides general information about the policy, including the insured's details and the coverage amounts. The coverage summary, on the other hand, gives an overview of the types of coverage included but does not specifically detail exclusions.