A fire insurance policy must contain minimum coverages. Which of the following is one of those minimum coverages?

Minimum coverages in a fire insurance policy are designed to ensure that the most common and significant risks associated with fire and related perils are covered. One of these minimum coverages is protection against fire, lightning, and explosions from natural gases, coal, or manufactured gases. This coverage is fundamental because it directly addresses the primary purpose of the policy, which is to provide financial protection against damages caused by fire and its associated hazards.

Fire, lightning, and explosions due to gas are considered critical risks that can lead to substantial property damage, making it necessary for a fire insurance policy to include them as minimum coverages. Other types of perils such as flood damage, theft, or windstorm damage are typically excluded from basic fire insurance policies or are covered under separate options or endorsements, which is why they do not meet the criteria for minimum required coverages in a fire insurance context.