Which type of claim might not be eligible under a typical household insurance policy?

Household insurance policies are designed to cover specific risks and damages related to a home and its contents. Typically, these policies include protections against events such as fire damage, theft, or vandalism. However, coverage does not extend to wear and tear, as this refers to the natural decline in condition and functionality of property due to regular use over time.

Wear and tear is considered a maintenance issue rather than a loss due to an insurable peril. Insurance is focused on protecting against unforeseen, accidental damages or losses rather than the gradual deterioration from normal use. Therefore, claims arising from wear and tear would generally be excluded from coverage under a typical household insurance policy, making it the correct answer.

In contrast, fire damage, flood damage, and theft are typically included in household policies, though flood damage might require additional coverage or a separate flood insurance policy, depending on the insurer and jurisdiction.