Which of the following terms refers to a specific provision within an insurance policy?

The term that refers to a specific provision within an insurance policy is a clause. In insurance terminology, a clause is a distinct section of the policy document that outlines specific terms, conditions, or provisions regarding coverage. Clauses can define coverage limits, deductibles, and obligations of the insured or insurer, helping to clarify the rights and responsibilities of both parties.

For instance, a policy might include a "coverage clause" which details what is covered under that policy. This makes clauses vital for understanding the extent and limits of coverage, ensuring all parties are clear on what is included in the agreement.

The other terms relate to different aspects of insurance policies. An endorsement is typically an addition or modification to the original policy, often made to change coverage or adjust terms after the policy is issued. An exclusion is a specific condition or circumstance that is not covered by the policy, listing what is not included in the coverage. An appendix usually contains supplementary information or additional details relevant to the policy but does not refer specifically to a provision within the policy itself.