Which of the following losses would not be covered under a named perils form?

A named perils form provides coverage for losses specifically listed in the policy. In the context of this question, sewer backup is typically not included in the standard list of covered perils within a named perils insurance policy.

Vandalism, fire, and theft are commonly recognized perils that are usually covered under such policies. These perils are explicit and well-defined in most standard insurance contracts, making them eligible for coverage under a named perils form. However, sewer backup is often treated separately and may require additional coverage, such as a sewer backup endorsement, or it could be included under a different type of insurance, such as flood insurance.

Understanding the nuances of named perils versus all-risk forms is essential; the former only covers specifically named risks, while the latter provides more comprehensive coverage unless otherwise stated. Recognizing this distinction highlights why sewer backup would not be covered under a named perils form.