Which of the following is a standard exclusion that may apply to a homeowners policy?

Loss due to war is recognized as a standard exclusion in homeowners insurance policies. Insurers generally exclude coverage for damages resulting from acts of war or military actions. This exclusion is in place because such events are unpredictable and can lead to substantial financial losses that insurers cannot reasonably factor into premium pricing or coverage limits.

Other types of losses, such as damage from fire, accidental water damage, or breaking and entering, are typically covered under a homeowners policy, subject to specific conditions and deductibles. Fire is considered a common peril, while accidental water damage usually falls within covered events depending on the cause (e.g., a burst pipe). Breaking and entering also usually leads to coverage for theft or related damages. Thus, war-related losses stand apart as a significant exclusion in these policies.