Occurrence of _________ has to be _________ and not a _________ of the insured person.

Occurrence of peril has to be uncertain and not a creation of the insured person. A specific risk or cause of loss covered by an insurance policy, such as a fire, windstorm, flood, or theft. A named-peril policy covers the policyholder only for the risks named in the policy in contrast to an all-risk policy, which covers all causes of loss except those specifically excluded.