Which part of the insurance contract personalizes the coverage to the individual’s exposure?

Under the Personal auto Policy Liability Coverage, the “insured” is:

Mr. Green’s 24-year old son still lives at home while attending college part-time.  The son also has an apartment near his college campus.  His stereo is stolen from the apartment.  The stereo has a $1,400 replacement cost, and an actual cash value of $900.  If there is a $200 deductible on Section I, how much will the HO‑2 contract pay for the stolen stereo?

Property insurance policies are standardized for all the following reasons except:

Exclusions are contained in insurance policies for all the following reasons except:

All of the following are available under one of the HO forms except:

A nurse is preparing to administer an intramuscular (IM) injection of meperidine to a client. Which priority assessment should the nurse complete prior to administration. 

A nurse is planning care for a client who is to receive one unit of packed RBCs. The nurse should plan for the total infusion time to not exceed how many hours? 

The primary reason the insurance mechanism functions successfully is the:

Which of the following types of claims adjusters do not represent insurance companies?