Every policy has exclusions. Common educational examples include certain water damage, intentional acts, wear and tear, and perils handled by separate programs (like flood). The declarations page summarizes limits; the exclusions section explains the hard no’s.
Exclusion
- What it means
- A policy provision that lists what the insurance will not cover, even if other parts of the policy sound broad.
- Tennessee example
- A Knoxville renters policy may exclude flood damage — so creek overflow isn't paid under the standard renters form.
- Why it hits your wallet
- Exclusions are where surprise claim denials live; knowing them early beats discovering them after a loss.