Which of the following perils is typically covered in policies insuring fire peril?

The peril of fire is typically covered in policies insuring fire peril because the primary purpose of these policies is to provide financial protection against damages caused by fire. These insurance policies are specifically designed to cover losses stemming from fire incidents, including damage to property as well as loss of personal belongings due to fire. Fire insurance typically includes various situations where fire could occur, emphasizing the importance of protecting property against this specific threat.

In contrast, other perils like flood, theft, and earthquake are typically covered under different kinds of insurance policies. Floods are generally covered by flood insurance, which is a separate policy from fire insurance. Theft would be included under a separate policies aimed at personal property protection or homeowners' insurance, while earthquakes require specialized coverage due to the unique nature of that peril. Therefore, fire remains the central focus of fire peril policies, underscoring its significance for coverage.