Which of the following is classified as an insured peril?

The classification of an insured peril generally refers to specific risks that are covered under an insurance policy. In this context, accidental damage caused by the insured is recognized as an insured peril because it is a situation where damage occurs unintentionally, and policyholders typically have coverage for such occurrences. Insurance policies are often designed to protect individuals against unforeseen accidents that lead to loss or damage, making accidental damage a scenario that is included within the scope of coverage.

On the other hand, fires caused by negligence, acts of vandalism, and theft during a security breach may not universally be categorized as insured perils across all insurance policies. For instance, many homeowners' insurance policies may exclude damages resulting from intentional acts, such as vandalism or theft, depending on the circumstances under which those actions occurred. Additionally, negligence might complicate the claim process, as insurance will often scrutinize the circumstances leading to the fire and whether proper precautions were taken. Therefore, while accidental damage is explicitly covered in many policies, the other options could be either conditional upon specific policy terms or may not be covered at all.