What may void coverage if found to be untrue?

A warranty is a specific type of promise or guarantee made by the insured to the insurer related to certain conditions of the risk being covered. In an insurance contract, when a warranty is included, it must be true and upheld at all times. If it is found to be untrue, or if there is a failure to comply with the warranty, it may result in the insurer voiding the coverage. This is because warranties are considered fundamental to the contract; the insurer relies on the truth of these statements when deciding to issue the policy.

Conditions, exclusions, and endorsements serve different purposes in insurance policies. Conditions outline the responsibilities that the insured must adhere to for coverage to remain in effect, but failure to meet a condition may not necessarily void the policy automatically. Exclusions are specific situations, risks, or conditions that the insurance policy does not cover, and they don't affect the validity of the policy as a whole. An endorsement is an addition or modification to the original policy that can modify its terms or coverage, but it also doesn’t inherently void the coverage if found to be untrue. Thus, the crux of the matter is that only an untrue warranty has the potential to nullify an entire insurance contract.