What is typically covered by the entire contract provision in an insurance policy?

The entire contract provision in an insurance policy ensures that all aspects of the agreement between the insurer and the insured are encapsulated within the documents of the policy itself, including any endorsements. This provision serves to clarify that the written policy, along with its endorsements, is the complete agreement. It prevents either party from claiming that there are additional terms or agreements that were not documented.

In this context, external agreements and oral agreements made by agents are not covered by the entire contract provision; they are typically not enforceable under the contract because they are not documented in the policy. Additionally, while application documents are important and may be referenced, they do not encompass the full scope of the contract as defined by the policy and its endorsements. Therefore, what is covered by the entire contract provision specifically includes all policy documents and endorsements, ensuring all agreed-upon terms are formally recognized within the policy.