The Pennsylvania Standard Fire Policy required by 40 P.S. § 636 must be used as the basis for all fire insurance written in the Commonwealth. Which of the following perils is provided by the Standard Fire Policy in its base form?

Why this is the answer

40 P.S. § 636 prescribes the Pennsylvania Standard Fire Policy as the mandatory baseline for fire insurance contracts. Its insuring agreement covers loss by fire, lightning, and removal of property from premises endangered by the perils insured. Earthquake, flood, theft, and mechanical breakdown are extended-coverage or specialty perils not included in the base SFP. Modern homeowners and dwelling forms layer these PA-approved coverages on top of the SFP foundation.