What could potentially void a homeowners insurance policy?

Failure to maintain the property can potentially void a homeowners insurance policy because insurance companies require homeowners to keep their property in good condition to minimize risks. If a homeowner neglects necessary repairs or upkeep, such as allowing mold to grow or failing to fix a leaky roof, the property may become more vulnerable to damage. In the event of a claim, the insurer could determine that the lack of maintenance contributed to the loss or damage, which can lead to denial of the claim or cancellation of the policy altogether.

The other choices do not carry the same risk of voiding the policy. Installing new windows is generally a positive improvement that may even be covered under the policy, depending on the terms. Reducing coverage limits does not void a policy but may limit the amount of protection provided. Paying premiums late could result in a policy lapse, but it does not inherently void the policy; rather, it could be reinstated upon payment.