Which of the following is NOT a peril covered by typical insurance?

Bad habits are not considered a peril covered by typical insurance policies because insurance is designed to cover specific, tangible risks or events that cause loss or damage. Perils typically include direct risks such as collision in auto insurance, fire in homeowners insurance, or flood in certain property insurance policies, depending on the type of coverage one has.

In contrast, bad habits are generally related to personal behavior or lifestyle choices that do not fall under standard insurance coverage. Insurance policies are meant to protect against unforeseen and accidental events, while bad habits are behavioral issues that can lead to risks but are not insurable in the same manner. Thus, the distinction lies in the fact that bad habits are subjective and often preventable actions, making them ineligible for coverage within the framework of typical insurance products.