Which obligation is primarily based on the conditions specified in the insurance contract?

The correct answer revolves around the concept that an insurance contract outlines specific obligations for both the insurer and the insured. The insured's obligations typically include requirements such as timely payment of premiums, providing accurate information during the application process, notifying the insurer of a claim, and adhering to policy conditions. These obligations are essential for the contract to remain valid and enforceable.

The insurer's promise, policy terms, and agreement to indemnify are all critical components of the insurance contract, but they do not specifically detail the actions and responsibilities of the policyholder, making the insured's obligations the focus in this context. Understanding the obligations of the insured is crucial, as failure to meet these can lead to denial of coverage or non-renewal of the policy. Thus, an understanding of both parties’ commitments establishes the groundwork for the contractual relationship in insurance.