“Minerals” include many valuable subsurface rights or interests, such as oil and gas. The definition varies and should not be clarified except as stated in the instrument. Those rights may include the right to use the surface for exploration or development. You should not interpret the instrument, trace the ownership of the interest, or separately insure mineral rights (unless you secure approval from the Company). Where the Policy refers to excepted minerals in the Schedule A description, the Company also prefers to except to the minerals in Schedule B. If possible, you should insure only the “surface estate” in Schedule A, if all minerals are outstanding and you should then except to all minerals in Schedule B.