Which of the following is an exclusion in Homeowners Insurance?

In a Homeowners Insurance policy, certain types of water damage can be excluded, particularly if they stem from sources such as flood, sewer backup, or water that seeps into the home over time. While many policies may cover some water damage, specific exclusions typically apply to prevent coverage for ongoing maintenance issues or natural disasters that are not included in standard coverage.

Loss due to fire, theft of personal property, and vandalism generally fall under covered perils in a homeowners policy, provided there are no specific endorsements or limitations in the policy language. Fire is a major peril covered by homeowners insurance, theft is usually covered, and vandalism typically falls under liability and property coverages. This distinction highlights why water damage is often treated differently, making it a common exclusion in homeowners insurance policies.