Which type of loss would NOT typically be covered under standard property insurance?

The type of loss that would not typically be covered under standard property insurance is wear and tear. Property insurance is designed to protect against sudden and accidental losses, such as damage due to fire, theft, or a natural disaster. Wear and tear, on the other hand, refers to the gradual deterioration of property due to normal use over time. This type of loss is considered a maintenance issue rather than an insurable event, and standard insurance policies specifically exclude damage that results from neglect or lack of upkeep.

In contrast, direct physical loss, indirect losses, and accidental theft are generally covered under standard policies since they pertain to unexpected or unforeseen events that cause damage or loss to the insured property. Understanding these distinctions helps policyholders ensure they have the appropriate coverage for their needs.