Which of the following is typically considered a covered peril under a dwelling policy?

Fire damage from an unforeseen accident is typically considered a covered peril under a dwelling policy. Dwelling policies provide insurance protection specifically for the structure of a home and any attached structures, and they commonly cover a range of risks, including fire. This type of coverage is foundational to such policies, as fire is a frequent and costly risk that homeowners face.

Unforeseen accidents that lead to fire damage fall under this category because they are unexpected and not the result of negligence or lack of maintenance, ensuring the homeowner receives compensation for damages incurred in such situations.

The other options—flood damage and earthquake damage—are generally not covered under standard dwelling policies and often require separate coverage. Vandalism may be covered, but it usually depends on the circumstances surrounding the vandalism; in this case, vandalism by a guest could be subject to different interpretations of the policy that might exclude coverage.