Where in an insurance contract is the insurer's promise outlined?

The insurer's promise is outlined in the insuring agreement. This section of the insurance contract specifies the obligations and coverage provided by the insurer, detailing what is included in the policy and under what conditions claims will be paid. It serves as the core of the contract, establishing the essential framework of protection that the insurer offers to the insured.

The other sections of the policy serve different purposes. The declarations page provides important information about the insured, policy periods, and coverage limits but does not contain the insurer's commitments. The coverage section may describe specific types of coverage or exclusions, but the foundational promise of the insurer is articulated in the insuring agreement itself. The policy limits section outlines the maximum amounts the insurer will pay for various types of claims, but again, it does not define the promise itself. These elements are essential for understanding the entire contract, but the insuring agreement is where the basic promise to cover losses is explicitly stated.