Which of the following is a common exclusion in household insurance policies?

Household insurance policies typically include various exclusions, and one of the most common exclusions is wear and tear. Over time, items within a household naturally degrade due to regular use, and insurers often do not cover these types of damages because they are considered part of the normal lifecycle of the items rather than a distinct insurable event.

When wear and tear damage occurs, it does not stem from a sudden or accidental incident, which is usually necessary for coverage under an insurance policy. In contrast, incidents like theft, flood damage, or certain acts of vandalism may be covered under specific conditions, depending on the policy terms and limits. Thus, wear and tear is not viewed as an insurable risk but rather a maintenance issue that policyholders are expected to manage on their own.