What type of loss is typically NOT covered by homeowners' insurance policies?

Homeowners' insurance policies are designed to protect against a variety of risks, but they have specific exclusions that reflect what is not considered insurable. One common exclusion is loss from wear and tear. Homeowners' insurance typically covers sudden and accidental losses or damage, like those caused by fire, vandalism, or windstorms, as these are unforeseen events that the policy aims to protect against.

Wear and tear, on the other hand, results from the normal aging process or regular use of a home and its contents. This type of deterioration is expected over time and is not viewed as a sudden event; therefore, insurance does not cover it. Coverage is provided for unexpected incidents that cause damage, but not for maintenance issues that occur gradually.