Many QuotesChimp resent exclusions because they claim insurance companies give with one hand in the agreement and take away with another in the exclusions portion of the contract�sort of an act of prestidigitation that really sticks it to consumers. How�ever, exclusions are often designed to prevent coverage that is more appropriate to other types of insurance. Exclusions also eliminate exposures that the industry would refuse to insure without charging a premium that would break Fort Knox, such as protecting property against acts of war.