In what scenario would a homeowner likely NOT receive coverage from an insurance policy?

Wear and tear on the property is typically not covered by a homeowners insurance policy because insurance is designed to protect against sudden and accidental damages rather than maintenance issues. Homeowners are responsible for the upkeep of their property, and regular deterioration is considered a normal part of owning a home. Insurance policies focus on protecting the homeowner from unexpected events, such as fires, theft, or other incidents that might cause substantial losses or damages. In contrast, damage caused by fires, personal liability claims, and theft of personal belongings are generally covered under standard homeowners policies, as these scenarios represent unforeseen risks that the policy is designed to mitigate.