Which of the following is NOT a common exclusion in Special/Open peril coverage?

In the context of Special/Open peril coverage, the correct answer highlights that accidental water discharge is typically not excluded. Such coverage generally protects against a wide array of risks, and accidental water discharge—such as a burst pipe or unintentional overflow—usually falls within the scope of coverage as it is considered an unforeseen event.

On the other hand, flooding, intentional damage by an insured, and loss from government seizure are commonly excluded from this type of coverage because they are either predictable risks or result from deliberate actions. Flooding is often specifically excluded due to the high risk and reliance on separate flood insurance. Intentional damage by an insured is excluded to prevent individuals from purposely causing loss and claiming insurance for it. Government seizure losses also normally fall outside this coverage because they stem from legal actions that are effectively out of the policyholder’s control.

This nuanced understanding illustrates why accidental water discharge stands out as a coverage that is generally included, making it the correct choice in this scenario.