Which of the following would NOT be typically covered by a home insurance policy?

Home insurance policies generally provide coverage for a wide range of incidents that can occur in and around the home, including natural disasters, theft, and liability for accidents or injuries that happen on the property. However, coverage for normal wear and tear is not included in these policies.

Normal wear and tear refers to the natural deterioration of a property and its systems that occurs with time and use, such as minor scuffs on the walls, aging appliances, or a roof that has reached the end of its useful life. Insurance policies are designed to protect against unexpected and accidental incidents rather than the predictable decline in condition associated with everyday use. Thus, while the other options involve specific, insurable events or circumstances, the impact of normal wear and tear is considered a homeowner's responsibility and is not covered by standard home insurance policies.