What risks are usually covered under primary coverage?

Primary coverage typically refers to the initial layer of coverage provided by an insurance policy that protects against specific types of risks or perils. This layer is designed to address the foundational aspects of a policy, ensuring that the most common and significant risks are covered first. This could include risks like fire, theft, vandalism, and certain types of natural disasters, depending on the policy specifics.

Choosing the initial layer of covered risks under primary coverage is critical because it establishes the baseline protection for policyholders against significant losses. This concept is important for individuals and businesses alike, as it helps in understanding how insurance policies are structured and what level of protection they can expect right from the start. Thus, the option capturing this concept accurately reflects the purpose and function of primary coverage in an insurance context.