What are the standard property insurance clauses?

Standard property insurance clauses typically include coverage provisions, exclusions, conditions, and definitions. Coverage provisions specify what is insured, such as buildings and personal property, while exclusions detail what is not covered, such as certain natural disasters or acts of war. Conditions outline the responsibilities of both the insurer and the insured, including how claims must be reported and the obligations to maintain property. Definitions clarify key terms used throughout the policy to ensure mutual understanding.