Which of the following losses is excluded under the IBC Homeowners Comprehensive Form?

The loss that is correctly identified as excluded under the IBC Homeowners Comprehensive Form is damage caused by rodents. Homeowners insurance typically covers a wide variety of perils, but it often specifically excludes damage caused by pests, such as rodents. This exclusion exists because such damages are considered to result from a lack of maintenance or preventive measures by the homeowner, which are typically within the homeowner's control.

To further clarify, while smoking damage from a fireplace might be covered under certain conditions, damage caused by rodents would not be. Similarly, losses due to sporting equipment use generally fall under liability coverage if an incident occurs. Lastly, breakage of fragile articles is also commonly covered under homeowners insurance, although certain limitations may apply depending on the specific policy.

This understanding helps clarify the scope of coverage under a homeowners insurance policy and the specific exclusions that policyholders should be aware of to manage their risks effectively.