In an unendorsed Homeowners policy, where would the Named Insured find information about excluded coverage?

In a standard unendorsed Homeowners policy, information about excluded coverage is found in the section titled "Exclusions." This section explicitly details which perils, property, or situations are not covered under the policy, providing clarity to the policyholder regarding limitations of their coverage. Understanding the exclusions is crucial for homeowners, as it helps them recognize the boundaries of their coverage and prepare for potential risks that may not be safeguarded by their policy.

The Declarations section generally includes important details about the insured property, the insured parties, coverage limits, and premiums, but does not specify exclusions. The Conditions section outlines the responsibilities of the insured and the insurer, as well as the procedural aspects of the policy, such as how claims should be reported. The Coverage section describes what is covered by the policy but does not list exclusions. Thus, the section specifically devoted to exclusions is the most appropriate place for policyholders to find information on what is not covered.