Which of the following scenarios would likely be excluded under a homeowners policy?

In the context of a homeowners insurance policy, homeowners typically cover various risks to the dwelling and personal property within it, but there are specific exclusions. Negligent maintenance refers to damages incurred due to a homeowner's failure to properly care for their property, such as not fixing leaks or allowing rot to develop. Homeowners policies often exclude losses that arise from neglect or failure to maintain the property. This emphasizes the expectation that homeowners will actively manage maintenance to prevent damages, meaning that if the damage is directly linked to negligence, it would likely not be covered.

In contrast, damage to a personal vehicle is usually covered under an auto insurance policy rather than a homeowners policy. Accidental damage from a fire is generally covered by homeowners insurance, as it falls under the perils typically included in such policies. Similarly, loss from theft while traveling is also often covered to some degree under homeowners policies, particularly if the items taken are personal property.