Covered perils are the things which are named in the policy as covered causes of loss. (effectivecoverage.com)
They include things like fire, theft, wind and hail damage, and many other common causes of loss. (effectivecoverage.com)
Cooking fires are the most common example, but smoke damage, water damage from an overflowing bathtub, and other causes of loss due to tenant negligence would also be covered. (effectivecoverage.com)