What are the perils the insurance policy protects against called?

A "peril" in insurance speak is "anything that causes a loss" a named peril policy is what types of accidents or "perils" you are covered for. In a basic unendorsed Homeowners policy the person is covered for: Riot or Civil Disorder, Aircraft, Lightning, Fire, Hail, Windstorm, Explosion, Smoke, Theft(Limits on certain items apply), Vehicles, Vandalism, and Volcanic eruption.