Mutations are changes in DNA sequence that can be caused by mistakes during cell division or exposure to environmental agents. Mutations can be harmful, beneficial, or have no effect depending on where they occur. Germline mutations occur in gametes and can be inherited, while somatic mutations occur in other cells and are not inherited. Different types of mutations include point mutations, which change a single nucleotide, and frameshift mutations, which change the reading frame by inserting or deleting nucleotides.