Which item is typically NOT included as a covered peril in insurance?

Normal wear and tear is not included as a covered peril in insurance policies because it is considered a result of the general aging and usage of property rather than a specific incident or event that causes damage. Insurance is designed to cover unforeseen losses and damages caused by specific perils such as fire, theft, or accidental water damage from a broken pipe. These events are typically sudden and accidental, making them eligible for coverage. In contrast, wear and tear is expected and ongoing, and most insurance policies specifically exclude it to avoid covering maintenance issues that are the owner's responsibility. This distinction is crucial in understanding insurance fundamentals, as it sets the boundaries for what is considered a legitimate claim under a typical policy.