Which of the following is NOT typically covered under dwelling policies?

Dwelling policies primarily provide coverage for the physical structure of a home and may include coverage for certain specified perils. Losses due to war are generally excluded from dwelling policies, as standard insurance practices usually do not cover catastrophic events arising from war or military actions. This exclusion is in place because the potential for loss in such events is immense and unpredictable, making it unfeasible for insurers to offer coverage.

In contrast, property theft during a covered event, fire damage to the dwelling, and vandalism by non-insured parties could all be relevant to dwelling policies, depending on the specific terms of the policy and endorsements. For instance, fire damage is a typical peril covered by dwelling policies, while vandalism may be covered if it does not fall under specific exclusions. This highlights the broader principle that dwelling policies are designed to provide coverage for ordinary risks associated with homeownership, while risks associated with war are deemed too unpredictable for insurers to underwrite.