What is generally covered by a 'standard fire policy'?

A standard fire policy is designed primarily to cover specific perils that include fire, lightning, and the necessary action of removing property to safety in the event of a fire. This type of policy is straightforward and focuses on those immediate threats, providing essential financial protection for property owners. The coverage for lightning acknowledges the risk of fire caused by lightning strikes, while the removal clause ensures that policyholders can take preventative measures without suffering financial loss during an emergency.

The other options relate to risks that are not included in a standard fire policy. Claims related to theft and vandalism fall under different types of coverage, such as homeowners or renters insurance, which specifically address these perils. Flood and earthquake damages are generally not covered under standard fire policies and require separate flood or earthquake insurance due to their highly variable risk profiles and the specific conditions under which those damages can occur. Lastly, property damage from all natural disasters is overly broad, as standard fire policies are not meant to be comprehensive; they only address specific hazards, unlike broader policies that might include multiple perils like hurricanes or tornadoes.