insurance “against all DIRECT LOSS BY FIRE, LIGHTNING AND BY REMOVAL FROM PREMISES ENDANGERED BY THE PERILS INSURED AGAINST IN THIS POLICY, EXCEPT AS HEREINAFTER PROVIDED....” La.Rev.Stat. § 22:691(F) (capital letters in original). The form also provides that insurance against any other peril “shall be by endorsement in writing hereon or added hereto.” Id. A. Perils Other Than Fire The parties disagree as to whether the VPL applies to perils other than fire. Defendants assert that the plain language of the VPL demonstrates that it applies only to the peril of fire, that the history of the VPL shows that it historically was meant to protect against the particular problems of evaluating a loss caused by fire, and that federal courts have found that the VPL applies only to 1288 (La.1978) (<HOLDING>); and Holloway v. Liberty Mutual Fire Ins. Co.,
holding that a standard employers liability policy is not an ocean marine policy holding that a schools excess policy was primary over a students homeowners policy for injuries to the student during physical education class holding that obligation to pay mortgage on home was satisfied by payment of fire insurance proceeds where husband maintained fire insurance policy holding that the standard fire policy and a broader homeowners policy were so intertwined that the prescriptive period in the standard fire policy applied to nonfire perils holding that standard occurrencebased policy was intended to provide coverage when damage or injury    occurs during the policy period