Which of the following is NOT typically covered by homeowners insurance?

Homeowners insurance is designed to provide coverage for various risks associated with property ownership, including damage to the dwelling and personal liability. Typically, policies cover events such as wind damage, fire damage, and personal liability for injuries or damages caused to others.

Maintenance issues, however, are generally not included in homeowners insurance. These issues often arise from negligence or the natural wear and tear of the property over time, which is the responsibility of the homeowner to manage and maintain. Insurance is meant to protect against unforeseen incidents rather than routine upkeep or repair needs. Hence, maintenance issues are excluded from standard coverage, making this the correct answer.