3. Cougar Insurance Company requires new employees to take their Basic Insurance Skills Test. One question on the test asks employees to identify sections of an insurance policy: declarations, insuring agreement, conditions, exclusions, definitions, and miscellaneous provisions. A portion of the test is reproduced below. Identify the section of the policy illustrated by each of the following. (half- point each, one answer only per part) a. This coverage is suspended if the property is left vacant or unoccupied for 60 or more days before a loss occurs. b. This insurance does not cover losses that are intentionally caused. In addition, losses that are caused by an earthquake or a flood originating outside the structure are not covered. c. This policy covers the occurrence of a loss. In this policy, occurrence means a sudden and accidental event or a loss that develops over time. d. Direct physical damage to the home is covered unless the cause of loss is specifically excluded. Losses to personal property are covered, provided the loss is caused by one or more of the following: fire, lightning, wind, hail, aircraft, riot, vandalism, explosion, or smoke. e. The home is a single-family residence located at 7810 Franklin Street in Springfield, Washington. The home is a single-story, ranch-style home that is of masonry non-combustible (brick) construction. The 3,400 square-foot home, which was built in 2008, includes a two-car garage. The roof of the home was replaced in 2016 after a windstorm damaged the roof