Most property and casualty policies are built from the same parts. A memory hook is DICE: Declarations, Insuring agreement, Conditions, Exclusions. Add Definitions and Endorsements and you have the whole policy.
Declarations: personalize the policy: the named insured, the policy period, the limits of liability and the premium. Who, how long, how much and at what price.
Insuring agreement: the insurer's basic promise, such as to pay covered losses or defend covered claims.
Definitions: the meanings of words used throughout the policy.
Conditions: the duties and rules both parties must follow, such as giving prompt notice of a claim and cooperating in the defense.
Exclusions: remove certain losses, causes or property from coverage.
Endorsements are attachments that add to, remove from or otherwise change the policy's terms. An endorsement has no effect apart from the policy it modifies. When an endorsement and the printed form conflict on the same point, the endorsement generally controls, which is how an endorsement can restore excluded coverage or limit granted coverage.
Exam tip: notice and cooperation duties are conditions, not exclusions. Limits and premium are on the declarations, not in the insuring agreement.