Which of the following is NOT a common exclusion found in homeowners insurance policies?

Homeowners insurance policies typically include numerous exclusions that clarify what is not covered under the policy. Accidental damage caused by a guest is generally considered an insurable event rather than an exclusion. This is because most homeowners insurance policies are designed to cover unforeseen mishaps, including accidents that might happen during a social gathering at the insured’s home. Therefore, if a guest accidentally breaks a valuable item, the homeowner could still file a claim for that damage depending on the specifics of their coverage.

In contrast, other options listed are commonly found exclusions in homeowners insurance. Wear and tear is excluded because insurance is meant to cover sudden and accidental losses, not the natural deterioration of property over time. The results of nuclear hazards are also typically excluded due to the high risk and the unique nature of the damage that can be caused by nuclear incidents. Lastly, intentional damage is excluded because insurance is designed to protect against unexpected circumstances, not actions taken with the intent to destroy or damage property. This explanation helps frame common concepts in homeowners insurance coverage and exclusions for a clearer understanding of the policy's scope.