Plain-English meaning
Coverage that applies only to causes of loss specifically listed in the policy, subject to exclusions and conditions.
Why it matters
A loss caused by something not named may fall outside coverage.
Where you may see it
Personal-property sections, dwelling fire forms, endorsements, and claim decisions.
What to verify
The complete peril list, definitions, exclusions, proof requirements, and endorsements.
Do not confuse it with
Open-peril coverage, which starts from covered physical loss unless excluded.
For policy-specific meaning, read the definition and related provision in the issued policy.