What term refers to specific causes of loss that are not covered by a title insurance policy?

The term that refers to specific causes of loss that are not covered by a title insurance policy is referred to as exclusions. In the context of title insurance, exclusions outline the instances or conditions under which the insurer will not provide coverage, making it clear to the policyholder what risks are not protected. This is an essential component of the insurance policy, as it delineates the boundaries of coverage and helps the insured understand potential gaps in protection.

Limitations typically refer to restrictions on coverage or the amount of coverage available but do not specifically denote causes of loss. Exceptions, on the other hand, generally refer to situations that might be covered under specific conditions rather than things that are outright excluded. Debts do not apply in this context as they refer to financial obligations rather than specific risks related to title insurance coverage. Understanding exclusions is crucial for anyone involved in real estate transactions and title insurance, as it helps manage expectations regarding the policy's protections.