What types of perils are typically covered under a standard property policy?

The correct choice reflects the broad coverage typically provided by standard property insurance policies. These policies are designed to protect policyholders against a wide array of risks or perils that could cause damage to their property.

Fire is one of the primary perils covered, as it poses a significant risk to residential and commercial properties. Theft is also covered, protecting homeowners and business owners from financial loss due to burglaries. Vandalism is included as well since intentional acts that damage property can lead to considerable expenses for repairs. Additionally, natural disasters, which can include events like hurricanes, tornadoes, and earthquakes, are often covered under specific circumstances depending on the policy and additional endorsements.

The other options mentioned represent perils or situations that either do not fall under standard coverage or are not typically insurable risks. Wear and tear damages are generally viewed as a result of regular use and aging of property, which insurance does not cover because it is considered a normal maintenance cost for the owner. Intentional damage and negligence are also not covered under standard property policies, as insurance is designed to protect against unforeseen accidents rather than deliberate acts or failure to maintain the property responsibly.