Where are exclusions specifically detailed in a dwelling policy?

Exclusions in a dwelling policy are specifically detailed within the policy language in terms and conditions. This section clearly outlines what is not covered by the policy, providing important information regarding limitations and exceptions to coverage. By stating exclusions in this part of the document, the insurer ensures that policyholders have a comprehensive understanding of the risks that are not insured under their policy.

The declarations page primarily provides a summary of the coverage, including basic details about the insured property and the limits of coverage, but it does not contain the detailed exclusions. Endorsement documents may modify or add coverage but are generally not the primary source for exclusions. A coverage summary, while useful for a quick overview of what is included, does not replace the need for the explicit terms and conditions that define exclusions clearly in the comprehensive policy document.