Which common policy condition prohibits the insured from changing the rights or duties under the policy to any other person without the written consent of the insurance company?

The correct choice highlights a fundamental principle in insurance contracts known as the assignment of rights and duties. This condition stipulates that the insured cannot transfer their rights or duties under the policy to another person without obtaining written consent from the insurance company. This requirement is essential because it allows the insurer to maintain control over who is entitled to coverage and ensures that the insured remains a responsible party to the contract.

Maintaining the original contractual relationship is crucial for the insurer, as they assess risk based on the specific characteristics of the insured individual or entity. Allowing a transfer without consent could lead to situations where the insurer is obligated to cover someone whom they did not underwrite or evaluate during the policy issuance.

The other options relate to different aspects of insurance policies. Transfer of ownership, for instance, typically deals with the ownership of the insured property rather than the rights under the policy itself. The subrogation clause allows the insurer to pursue recovery against a third party responsible for a loss after they have paid a claim to the insured. The assignment clause could essentially refer to the same concept but is less precise than the term specifying the transfer of rights and duties under the policy, which directly addresses the provision discussed in the question.