Which of the following is a basic form covered peril?

Which of the following is a basic form covered peril?

• A. Fire
• B. Falling object
• C. Water damage from certain causes
• D. Collapse from certain causes

Answer: (A)

Basic form covers only a limited, named set of perils, and fire is one of those core perils listed in the basic form. That’s why it’s the correct choice. The other options—falling objects, water damage from certain causes, and collapse from certain causes—aren’t included in the basic form by default; they’re typically added in broader forms or via endorsements. So fire is the basic-peril coverage, while the others require a broader form or separate coverage to be insured.

Basic form covers only a limited, named set of perils, and fire is one of those core perils listed in the basic form. That’s why it’s the correct choice. The other options—falling objects, water damage from certain causes, and collapse from certain causes—aren’t included in the basic form by default; they’re typically added in broader forms or via endorsements. So fire is the basic-peril coverage, while the others require a broader form or separate coverage to be insured.