Special form coverage would NOT cover which of the following?

Special form coverage, also known as "all-risk" coverage, is designed to cover a wide range of risks except for specific exclusions stated in the policy. The correct choice here is related to the fact that coverage typically does not apply in situations where there is negligence or lack of proper maintenance by the homeowner.

In the case of freezing pipes, coverage would generally be denied if the loss occurred due to the insured's failure to maintain adequate heating during a severe weather event, such as a blizzard, especially if the power was intentionally left on but no preventive measures were taken to protect the plumbing system from freezing. Insurance policies usually require that homeowners take reasonable actions to minimize damage, and leaving the power on without ensuring adequate heat in extremely cold conditions may be considered neglect.

On the other hand, theft of property, water damage from a burst pipe, and smoke damage from a fire are typically covered under special form policies. Theft is generally insured unless noted otherwise, burst pipes are covered unless the damage was preventable, and smoke damage from a fire is inherently related to fire coverage, often included in most policies. Each of these scenarios typically falls within the coverage scope unless specific conditions or exclusions apply.