Joanne sells her house to her sister, Dianne. To save Dianne the trouble of finding her own homeowners policy, Joanne calls up her insurance company and tells them that Dianne bought her house and any future claim settlements should be paid to Dianne. Joanne's insurer tells her that they can't do that because of which condition?

Control of Property refers to the policyholder's rights over the insured property but does not pertain to the transfer of the policy itself. While Joanne maintains control over the house until the sale is finalized, this does not allow her to assign the insurance coverage to Dianne without the insurer's approval.

Liberalization is a clause that allows insurers to extend broader coverage to existing policyholders without additional cost if they introduce new policies with enhanced benefits. This condition does not apply to the situation of transferring an existing policy to another individual; therefore, it does not affect Joanne's ability to assign her policy to Dianne.

The Additional Insured provision allows adding another party to the policy for protection under specific circumstances. However, simply adding Dianne as an additional insured does not equate to transferring the entire policy or its rights, which is a separate issue governed by the Assignment condition.