Which type of damage is generally excluded from coverage under homeowner policies?

Neglect is typically excluded from coverage under homeowner policies because these policies are designed to cover sudden and accidental losses or damages rather than damages that occur due to a lack of maintenance or care. Homeowners are expected to properly maintain their property and take necessary precautions to prevent damage. If a loss occurs due to neglect—such as failing to repair a roof that subsequently leaks and causes damage—insurance companies view this as a result of the homeowner's failure to uphold their responsibility, and therefore will not provide coverage for such damages.

Vandalism, theft, and fire, on the other hand, are generally covered under most homeowner policies because these events are typically classified as unexpected, sudden losses that the property owner cannot control. Coverage for these types of damages helps protect homeowners from a variety of risks that could lead to significant financial loss.