Which section lists perils not covered by the policy?

• A. Insuring Agreement
• B. Conditions
• C. Definitions
• D. Exclusions

Answer: (D)

Exclusions explain what is not covered in the policy. This section sets the boundaries of coverage by listing the perils, events, or conditions that won’t be insured, regardless of other parts of the contract. It’s distinct from the Insuring Agreement, which describes what is covered; from Definitions, which clarify terms used in the policy; and from Conditions, which outline duties and procedures. In practice, you’ll see exclusions for things like losses from illegal activities, self-inflicted injuries, cosmetic procedures, or services not medically necessary. Knowing what’s excluded helps you understand where coverage ends even when other parts of the policy seem favorable.