Which statement accurately describes the obligations of the insured in maintaining coverage for freezing losses?

The correct statement regarding the obligations of the insured in maintaining coverage for freezing losses is that the insured must ensure daily heating checks. This is crucial because homeowners need to take appropriate steps to prevent freezing, which can lead to significant damage. By conducting daily heating checks, the insured ensures that the heating system is functioning properly, thereby maintaining a consistent temperature within the home. This proactive measure is often a requirement stipulated in insurance policies to safeguard against potential freezing losses.

In contrast, the other statements do not represent responsible actions that align with the insured's obligations. Choosing not to do anything disregards the responsibility to protect the property. Draining plumbing regardless of circumstances may not always be necessary and can lead to inconvenience or unintended consequences. Increasing heating costs during absence could be impractical or financially burdensome, and it does not specifically address the requirement for maintaining an appropriate temperature to prevent freezing. Therefore, ensuring regular heating checks is the most effective and compliant way to fulfill the obligations of the insured.