Which peril is NOT generally covered under homeowners policies?

The correct answer identifies neglect as a peril that is not generally covered under homeowners policies. Homeowners insurance is designed to protect against specific risks or perils, which typically include events like vandalism, smoke damage, and windstorms. These are recognized as insurable risks that can lead to property loss or damage.

Neglect, however, falls outside the scope of what is typically covered by homeowners insurance. When homeowners fail to maintain their property, such as by not repairing leaks or maintaining safe living conditions, the resulting damage is often attributed to the homeowner's lack of action. Insurance policies generally include exclusions for damage arising from neglect, as it is the responsibility of the homeowner to maintain the property and ensure that it is safe and secure.

Understanding this distinction is crucial for homeowners and agents alike, as it helps clarify what types of risks are insurable and encourages homeowners to actively maintain their property to prevent potential losses.