Which of the following would be considered a peril?

A peril refers to a specific risk or cause of loss that can be covered by an insurance policy, particularly in the context of property insurance. Fire is widely recognized as a classic example of a peril because it can cause physical damage to property and belongings, leading to financial loss. Insurance policies often specifically include coverage for fire damage, as it can pose a significant risk to structures and personal property.

The other options—gambling, smoking, and driving too fast—do not constitute perils in the same sense. While they may involve risks or lead to losses, they are more related to personal behavior or lifestyle choices rather than direct, insurable causes of damage. Therefore, they do not fit the definition of a peril in the context of insurance coverage.