Which exclusion states that an insurer will not cover damage due to the owner failing to maintain their property?

The neglect exclusion is specifically designed to exclude coverage for damages caused by the owner's failure to properly maintain their property. This means that if a property owner neglects necessary maintenance, leading to damage or deterioration over time, the insurer will not cover any resulting claims. This exclusion encourages property owners to take preventative measures and uphold their responsibilities in maintaining their property.

The other options focus on different forms of exclusions. The earth movement exclusion typically pertains to natural disasters like earthquakes or landslides, which are beyond the property owner's control. The intentional damage exclusion covers situations where damage is inflicted on purpose, and the standard property exclusion may address various general exclusions that do not specifically relate to maintenance issues.