Which of the following is NOT typically covered under an insurance policy?

Insurance policies are designed to provide coverage for a variety of risks, but there are certain exclusions that are commonly found across many types of insurance. War and neglect are typically excluded from coverage because they are seen as risks that are either too catastrophic or too controllable for an insurer to manage.

War is characterized by large-scale conflict, which can lead to extensive damage and loss that is difficult to predict or quantify in terms of risk. Insurers generally avoid covering the wide-ranging consequences of war because the potential financial impact is immense and unforeseen. Neglect involves a lack of proper care or maintenance, meaning that damages incurred due to neglect stem from the policyholder's failure to uphold their responsibilities. Insurance is intended to protect against unexpected events, so losses resulting from neglect are typically viewed as the result of poor management rather than insurable risks.

On the other hand, policies often provide coverage for accidental damage, natural disasters, and theft, as these events are generally considered unforeseen and can be clearly defined in terms of coverage limits and expectations. This comprehensive approach allows policyholders to protect themselves against genuine risks they cannot control.