Alabama Property and Casualty Practice Exam

Damage from neglect or continuous leaks is typically excluded in a standard homeowners policy because standard coverage is designed to protect against sudden and accidental damages rather than those resulting from a lack of maintenance or ongoing wear and tear. Homeowners insurance generally covers unexpected incidents like fires, storms, theft, and vandalism but does not cover damages that occur over time due to neglect. This differentiation aims to encourage homeowners to maintain their properties properly. Maintenance issues like continuous leaks fall under the responsibility of the homeowner and are not considered insurable events under most homeowners policies.