Property Policy Sections

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Section I

First-party claims (Insured suffered a loss) Section I will outline the type of property that is covered by the policy, the type of damage that is covered, the type of damage that is excluded, and the conditions of the policy.

Section II

Third-party claims (Insured is responsible for bodily injury/property damage to someone else) Section II outlines the type of third-party claims that are excluded, as well as the conditions that apply to this section of the policy.

Endorsements

Changes to the terms of the base policy, which can impact coverages and the premium This section provides an overview of all endorsements to the specific policy. Endorsements can impact policy language and can vary between policy type and location.