Which of the following is a common exclusion under HO Property Coverage F?

Homeowners Insurance Property Coverage F typically encompasses liability coverage for personal injury and medical payments, rather than property damage. Earth movement is commonly excluded under homeowners policies, including Coverage F, because it encompasses risks such as earthquakes, landslides, and sinkholes, which can often lead to catastrophic losses. Insurers generally opt to exclude these types of hazards due to their unpredictable nature and the potential for extensive damage, which makes them more difficult to underwrite effectively.

Fire damage is generally covered under a standard homeowners policy, as it is considered one of the primary perils insured against. Similarly, theft and vandalism are also commonly covered events, though specific conditions and limits may apply. Thus, recognizing earth movement as a common exclusion helps navigate the complexities of homeowners insurance and manage expectations regarding claims related to those specific risks.