Which of the following is typically excluded under standard casualty insurance policies?

Wear and tear is typically excluded under standard casualty insurance policies because such policies are designed to cover unexpected and sudden losses rather than the gradual deterioration of property due to normal use and aging. Casualty insurance primarily protects against unexpected events that cause damage or loss, such as theft, fire, or natural disasters.

In contrast, accidental damage, theft, and fire damage are generally covered under standard policies, as they represent unforeseen events that resulted in loss. Wear and tear, being a result of regular usage and maintenance issues, does not clearly fall into the category of sudden or accidental incidents that insurance is meant to protect against. This distinction underscores the purpose of casualty insurance in managing risks that are beyond an owner's control.