Which hazards are covered under Standard Fire Protection?

The correct choice encompasses three key hazards that are foundational to traditional fire insurance coverage. Fire is the primary risk addressed by this type of insurance, covering damages directly resulting from fire incidents. Lightning is included because it can lead to structure fires and significant damage to property, making it essential for coverage under standard fire protection. Internal explosions, often arising from gas leaks, equipment failures, or combustible substances within a building, are another critical risk that can result in severe damage to property.

These three hazards highlight the focus of standard fire protection on risks that can lead to extensive property damage. Other choices include perils like theft, flood, hail, and civil commotion, which, while they may be covered under different types of insurance policies, do not typically fall under the scope of standard fire protection. Thus, they would not be appropriate inclusions for this specific type of coverage.