Property insurance typically does NOT cover which of the following?

Property insurance generally does not cover gradual water damage because this type of damage is often classified as maintenance-related rather than sudden and accidental. Insurers typically expect property owners to maintain their property and preemptively address issues that could lead to gradual damage, such as leaks from aging pipes or poor drainage systems. This exclusion helps insurance companies limit their exposure to claims that arise from lack of maintenance or negligence.

In contrast, fire damage, vandalism, and theft are usually covered under standard property insurance policies, as they result from sudden events that are unexpected and outside the control of the insured. This makes them insurable risks that property owners should be protected against.