Which is an example of increased exposure?

Increased exposure refers to a heightened risk related to a potential loss, which can arise from environmental factors or geographical location. A home in a hurricane-prone area exemplifies this concept well, as it is situated in a region that is highly susceptible to hurricanes, leading to greater potential for damage due to natural disasters. The presence of significant natural threats increases the likelihood that perilous events could cause loss or damage to the property and its contents.

In contrast, other options present situations with relatively lower risk profiles. For instance, a home with a garden may enhance aesthetic appeal, but it does not inherently increase risk. Similarly, a home with a new roof is generally considered to reduce potential exposure to weather-related damage, and a home in a low-traffic neighborhood suggests a safer environment with less likelihood of accidents or other issues that could arise from busy roadways. Thus, a home in a hurricane-prone area is the clearest example of increased exposure due to its geographical locale.