Which of the following is considered a peril covered by dwelling fire insurance?

Dwelling fire insurance is specifically designed to protect a property from certain risks, and fire is the primary peril it covers. This type of insurance typically provides coverage for damage to the structure of a home caused directly by fire. Fire damage can originate from various sources, such as faulty wiring, cooking accidents, or wildfires, making it a fundamental risk that dwelling fire insurance addresses.

While flood and earthquake damage are significant risks that can impact property, they are typically covered under separate insurance policies (like flood insurance or earthquake insurance) and are not included in standard dwelling fire insurance. General wear and tear refers to the natural deterioration of property over time, which is not considered a peril but rather a part of regular property maintenance and upkeep. Thus, fire damage stands out as the only peril among the choices that is explicitly covered by dwelling fire insurance.