Which incident would typically be excluded under standard property insurance coverage?

A furnace malfunction that causes the heat to shut off is an incident typically excluded under standard property insurance coverage because it is considered a maintenance or operational issue rather than a covered peril. Standard property insurance policies are designed to protect against specific risks such as fire, theft, or storm damage. The malfunction of a furnace is often the result of wear and tear, lack of proper maintenance, or mechanical failure, which are not covered by insurance.

In comparison, incidents like a tree falling on the house during a storm or a pipe bursting causing water damage are usually covered under property insurance as they fall under sudden and accidental damage, which policies aim to protect against. Similarly, a burglary at the insured property is a covered peril as it involves theft and loss of property due to criminal activity. It's important for policyholders to understand the distinction between perils that are covered and those that are typically excluded due to the nature of the incident.