Which of these is NOT considered an insured peril?

Which of these is NOT considered an insured peril?

• A. Impact by aircraft or land vehicle.
• B. Smoke.
• C. War.
• D. Water escape, rupture, freezing

Answer: (C)

In property coverage, insured perils are events that the policy is designed to pay for when they cause a loss. Common insured perils include damage from impacts by aircraft or vehicles, smoke, and water-related damage from accidental discharge or leakage. These are the kinds of risks insurers routinely cover, though there can be limits or specific conditions. War is not one of those insured perils. Damage caused by war, invasion, or similar acts is a standard exclusion in most property policies because such risks are unpredictable and can be vast, making them hard to price and manage. You’ll often see endorsements or separate policies if coverage for war-like risks is needed, but in a typical homeowners or property form, war is excluded.

In property coverage, insured perils are events that the policy is designed to pay for when they cause a loss. Common insured perils include damage from impacts by aircraft or vehicles, smoke, and water-related damage from accidental discharge or leakage. These are the kinds of risks insurers routinely cover, though there can be limits or specific conditions.

War is not one of those insured perils. Damage caused by war, invasion, or similar acts is a standard exclusion in most property policies because such risks are unpredictable and can be vast, making them hard to price and manage. You’ll often see endorsements or separate policies if coverage for war-like risks is needed, but in a typical homeowners or property form, war is excluded.