What part of an insurance policy contains the description of coverages provided?

The insuring agreement is the correct answer because it explicitly outlines the coverages that the insurance policy provides. This section provides clarity about the promises made by the insurer to the insured, detailing the types of risks covered and the circumstances under which the insurer will pay for a loss. It is essentially the core of the policy, where the fundamental obligations of the insurer are specified, including the nature of the coverage and any exclusions or limitations that may apply.

In contrast, the declarations page serves as an overview, listing the insured's name, the address, the policy period, and other relevant details, but it does not include the specific coverages. The conditions section outlines the rules and responsibilities both the insurer and insured must follow, and the endorsements section refers to any modifications or additions to the original policy terms. While all these parts are important for understanding the full scope of an insurance policy, the insuring agreement is specifically where the details of coverage are articulated.