What guarantees compliance with insurer conditions by the insured?

A warranty is a specific provision in an insurance policy that guarantees compliance with certain conditions by the insured. When the insured provides a warranty, they are making a formal promise that specific statements or conditions are true and will be adhered to during the term of the policy. If the insured fails to meet these conditions, it can result in a breach of the warranty, potentially leading to denial of coverage or cancellation of the policy. This contrasts with representations, which are statements made to induce a contract but do not have the same binding effect as warranties. Warranties are therefore a critical aspect of ensuring the insurer's conditions are met, forming the basis for the insurer's obligation to the insured.