What is the term for matters that are "excepted" from coverage in a title insurance policy?

The term for matters that are "excepted" from coverage in a title insurance policy is indeed "exception." In the context of title insurance, exceptions refer to specific items, claims, or conditions that are not covered by the policy. These could include defects, liens, or encumbrances that affect the title but are acknowledged by the insurer.

When a title insurance policy outlines these exceptions, it clearly informs the insured parties of any risks that have not been covered by the insurance. Understanding these exceptions is crucial for policyholders, as it identifies areas where they may still bear responsibility, and clarifies the extent of the insurer's liability in case of a title dispute.

The other terms mentioned have different meanings within the context of title insurance. An endorsement typically modifies the coverage of a standard policy, an encumbrance refers to any claim or liability against a property, and an insurer is the company providing the title insurance. Each plays a different role in the overall framework of title insurance, but none describe the matters that are excepted from coverage.