If you are like most people, when it comes to insurance coverage you think “I have insurance so I am covered for everything, right?” Unfortunately, the idea that you are covered for everything is not that simple. All policies have exclusions, limitations and conditions. Exclusions are designed to eliminate specific hazards that insurance companies cannot or do not want to provide.
These exclusions and limitations are designed to prevent various incidents from being covered that could ruin an insurance company, such as a nuclear disaster. Other limitations help curb fraud. For