What is included in the "how" of the policy contract as stated in the Declarations?

The "how" of the policy contract, as outlined in the Declarations, refers specifically to the manner in which the coverage details are structured and communicated within the contract. This includes information on the types of risks that are covered, the limits of coverage, any exclusions, and the specific terms and conditions that dictate how the insurance policy operates in practice.

While the premium payment schedule, claims filing procedure, and method of loss assessment are also important components of an insurance policy, they do not fall under the "how" of the policy contract in the context of coverage details. The premium payment schedule deals with the financial aspects of maintaining the policy, the claims filing procedure outlines steps for the insured to follow in the event of a claim, and the method of loss assessment pertains to how losses are evaluated for claims purposes. Thus, the focus on specific coverage details as part of the "how" clarifies the operational aspects of the insurance policy itself.