Which of the following is not a common exclusion from Homeowners Policies?

In homeowners policies, exclusions are specific situations or types of damage that are not covered. Damage from civil commotion is typically included in standard coverage, representing events like riots or protests that may cause property damage. This makes it distinct from the other options, which include common exclusions.

Damage from earthquakes is commonly excluded from homeowners policies unless there is specifically added earthquake coverage. Regular wear and tear refers to the natural deterioration that occurs over time due to regular use and is also not covered because it is not considered accidental or sudden damage. Accidental damages can sometimes be covered, but policies usually outline circumstances under which they may not be.

Therefore, while civil commotion can lead to property damage, standard homeowners policies generally do cover this scenario, distinguishing it from the other types of exclusions commonly found in such policies.