Which option is usually NOT covered under a standard homeowner's insurance policy?

A standard homeowner's insurance policy is designed to protect homeowners against specific risks, including damage to the structure of the home and personal property. Fire damage, theft of personal items, and storm damage are typically covered types of risks that a homeowner might face.

Wear and tear, however, is considered a maintenance issue rather than a risk event. Insurance policies generally do not cover the gradual deterioration of property that occurs over time due to regular use and aging. This is because insurance is intended to provide coverage against sudden and accidental losses, rather than losses that result from lack of maintenance or the normal effects of time. Therefore, wear and tear on the property is the correct answer, as it falls outside the scope of what standard homeowner's insurance is meant to address.