Is wear and tear typically covered in standard insurance policies?

In standard insurance policies, wear and tear is generally not covered. This is because wear and tear refers to the natural and gradual deterioration of a property or item over time due to normal use. Insurance policies are designed to cover unexpected and sudden damages, such as accidents or catastrophic events, rather than the gradual decline in condition that occurs with regular usage.

Most policies explicitly exclude claims related to maintenance issues, aging, or gradual deterioration, as these aspects are typically the responsibility of the property owner or policyholder. This helps to maintain the focus of insurance on protecting against unforeseen risks rather than routine maintenance or depreciation. Understanding this distinction is crucial for both insurance providers and clients when evaluating policy coverage.