Under a Special Form, which of the following is typically not covered?

In a Special Form policy, which is often referred to as an "all-risk" policy, coverage is provided for all perils unless specifically excluded. This type of policy is designed to offer broad protection, making it one of the most comprehensive forms of insurance.

Wear and tear is generally considered a condition that arises from normal aging or use of an item and is not typically covered under any insurance policy, including Special Form policies. Insurers exclude wear and tear because it is not an insurable risk; rather, it is a consequence of time and usage that policyholders are expected to manage through maintenance.

The other choices, such as fire damage, theft, and vandalism, are typically included in Special Form coverage unless the policy explicitly excludes them. Therefore, the understanding of wear and tear as a non-covered peril illustrates the limitations of coverage in the context of property insurance. This distinction is vital for policyholders to grasp when considering the types of risks their insurance will effectively cover.