Which one of these is a common cause of loss that is typically covered in an insurance policy?

Fire is widely recognized as a common cause of loss that is typically covered in an insurance policy. It is often included in standard homeowners, renters, and business insurance policies due to the potential for significant damage it can cause to property and personal belongings. The coverage for fire is considered fundamental, as it provides essential protection against one of the most frequent and devastating hazards faced by property owners.

In contrast, other causes of loss like earthquakes, nuclear accidents, and floods often require additional coverage or specialized policies. Earthquake coverage is frequently excluded from standard policies, necessitating a separate endorsement or policy. Similarly, nuclear accidents and flooding may not be included under standard coverage and would require a specific policy or a rider based on geographic risk and the insurer's guidelines. Hence, fire stands out as the cause of loss that is regularly covered and is foundational in the field of property insurance.