What are the exclusions in a property insurance policy and when do they apply?

Exclusions in an insurance policy are the things that are not covered by that policy. What that means is the policy normally starts out in broad coverage and then starts taking away some of that coverage through those exclusions. And whether an exclusion applies or not is very dependent on the facts of the particular loss. In fact, sometimes some of those exclusions even have exceptions which give coverage back. What does that all mean? It means that insurance policies are complicated and if you don’t deal with them regularly, you should probably look to an insurance law attorney to help you understand what your policy really covers and what the insurance company is responsible for.