Which of the following perils is covered under the Outdoor Property extension?

The Outdoor Property extension is a feature of certain commercial property insurance policies that covers physical damage to property that is outside but still on the insured premises. One of the primary perils covered under this extension is fire.

Fire can cause significant damage to outdoor property, including items such as fences, signs, or landscaping. Insurance policies typically define the types of perils covered, and fire is commonly included given its potential to cause catastrophic damage.

In contrast, other perils such as flood, vandalism, and earthquake often require separate endorsements or distinct insurance coverage. Flood is typically excluded from standard coverage due to the unique risks and potential for loss; vandalism, while it can be covered under commercial property insurance, may not always fall under the Outdoor Property extension in every policy. Earthquake coverage usually needs a specialized endorsement, as it is considered a separate risk from more commonplace perils like fire. Thus, fire stands out as the peril that is routinely covered under the Outdoor Property extension.