Which loss is EXCLUDED from coverage under the glass breakage peril in the Homeowners Basic Form (IBC 1151)?

The breakage of a glass table top during a move is excluded from coverage under the glass breakage peril in the Homeowners Basic Form because this scenario typically involves handling rather than a sudden and accidental event. Insurance policies generally cover damage that occurs unexpectedly, such as from an external force or peril listed in the policy. When glass is broken due to the carelessness or mishandling that can occur during moving, it does not fit the criteria for coverage, which usually applies to sudden events rather than those resulting from the insured's activity or negligence.

On the other hand, cracks in windows due to temperature changes fall under the category of wear and tear rather than an identifiable peril, aligning with common exclusions in insurance policies. Shattered glass from a storm is covered because it results from an external peril, and glass breakage from vandalism is also typically covered as it stems from an intentional act of damage, both of which fit the definition of insurable perils.