Which question is NOT considered when determining coverage for first party claims?

In the context of first party claims, the primary focus is on coverage for the insured's own losses rather than liability to others. The determination of coverage involves ensuring that the insured has an insurable interest in the property at the time of loss, that the property itself is covered under the policy, and that the cause of loss is indeed a covered event as specified in the insurance terms.

When the question of the insured's legal liability arises, it shifts the focus to third party claims, where the primary concern is whether the insured is liable to another party for damages. In first party claims, the key considerations revolve around the relationship to the property and the specific terms of the policy rather than questions of legal liability.

Therefore, asking whether the insured is legally liable does not apply to first party claims, which is why it is the correct answer in this scenario. The other options directly pertain to the conditions necessary for establishing coverage under a first party claim.