Which of the following is a covered peril under most standard homeowner's policies?

Fire is considered a covered peril under most standard homeowner's policies because it poses a significant risk to property and is one of the primary reasons homeowners seek insurance. These policies are designed to protect against sudden and accidental losses, and fire is an event that typically results in substantial damage to homes and personal belongings.

In contrast, wear and tear, negligence, and intentional damage are examples of risks that are generally not covered by standard homeowner's insurance. Wear and tear is a result of normal usage and aging, which insurance does not cover since it is expected over time. Negligence refers to inadequate care, which does not fall under the unexpected loss that insurance policies aim to protect against. Intentional damage is not covered as insurance is intended to protect against unforeseen accidents, and willful acts of destruction are excluded from coverage. Thus, fire is recognized as a peril that is covered, aligning with the intent of homeowner's insurance policies to mitigate unexpected losses.