Which of the following is generally NOT excluded from coverage in a property insurance policy?

Lightning is typically covered in a property insurance policy as it is considered a common peril that can cause damage to property. Most standard property insurance policies include coverage for lightning strikes because they are a frequent occurrence and can result in significant physical damage or loss to buildings and their contents.

On the other hand, natural disasters such as earthquakes and floods are often excluded from standard property insurance policies and require separate coverage or endorsements. War, too, is commonly excluded as it involves risks that are beyond the usual scope of property damage covered by standard insurance. Including lightning as a covered peril allows policyholders a level of protection that is considered essential given the potential severity of lightning damage.