What kind of loss would not qualify for standard property coverage?

General wear and tear does not qualify for standard property coverage because it is considered a normal aspect of usage and aging of a property or its contents. Insurance policies are designed to protect against unforeseen and accidental damages rather than the gradual deterioration of items over time due to regular use, maintenance issues, or poor upkeep.

In contrast, theft occurring on vacation, fire damage to a home, and damage caused by a storm are typically covered because they are unexpected events that result in significant loss or damage. These situations involve external factors that can lead to substantial financial burden, prompting insurance policies to provide coverage to protect policyholders from such risks.