Which of the following is an exclusion from own-damage coverage?

Own-damage coverage is designed to protect policyholders against damages to their own vehicle caused by various risks. However, not all types of damage or circumstances are covered under this provision.

When it comes to exclusions from own-damage coverage, the loss of tires is often specifically excluded. This exclusion exists because tires are considered consumable items that naturally wear out due to regular use rather than being damaged in an accident or incident. Insurers typically view damage to tires as a maintenance issue rather than a loss that should be covered under an own-damage policy.

In contrast, fire damage, theft of the entire vehicle, and vandalism generally fall under the types of incidents that own-damage coverage can address. Fire damage results from catastrophic events, theft of the entire vehicle involves property loss, and vandalism represents malicious damage, all of which are typically insurable risks. Therefore, these components are not excluded from own-damage coverage, making the exclusion of tires the correct answer.