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What is wear and tear on a home insurance policy?

Wear and tear is a damage to the property as a result of ordinary use or damage that occurs gradually over time.

Some examples of wear and tear are:

  • Small scratches on the walls or paint.
  • Worn or slightly stained carpets

Your home insurance policy covers you against unforeseen events like:

  • Fire
  • Theft
  • Flood
  • Damage to the property as a result of wear and tear is not covered.

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