Which part of an insurance policy contains the details of the coverage provided?

The part of an insurance policy that contains the details of the coverage provided is known as the Insuring Agreement. This section outlines the specifics of what is covered by the policy, including the risks that are insured against, the parties involved, and any limits on the coverage. It serves as the core document that defines the insured's rights and obligations and reinforces the primary purpose of the policy – to provide a clear understanding of the terms under which the insurer will provide benefits.

While the Declarations section provides important information such as the name of the insured, the coverage limits, and the duration of coverage, it is the Insuring Agreement that explicitly describes the coverage itself. The Conditions section lays out the rules and obligations that both the insurer and the insured must adhere to enforce the policy, and endorsements are amendments or additions to the policy that can modify the terms but do not define the coverage initially established in the Insuring Agreement.