Which perils are typically included in standard extensions of coverage?

The inclusion of windstorm, hail, and civil commotion in standard extensions of coverage is widely recognized in many insurance policies. These perils are relevant to property insurance, as they can cause significant damage to structures and property.

Windstorms and hail are common concerns for property owners, particularly in certain geographic areas where these weather events frequently occur. Civil commotion covers damages arising from disturbances or riots, which can also impact property. By including these perils as standard extensions of coverage, insurers provide a broader safety net for policyholders against various risks that can threaten their physical assets.

It is important to consider that other choices, such as general liability and malpractice, generally fall outside the realm of standard property coverage and are more aligned with liability insurance policies. Similarly, options that include only theft and vandalism or equipment breakdowns and flood do not represent the comprehensive nature of perils typically found in standard extensions. By focusing on events that can broadly affect both personal and commercial property, option B effectively captures the intent of standard coverage extensions.