All of the following are considered covered causes of loss in property insurance EXCEPT

Fire is generally a covered cause of loss in property insurance policies. Coverage typically includes damages resulting from accidental fires, making it a significant peril that insurers protect against. Therefore, fire is not the correct answer because it is indeed covered.

Burglary is also considered a covered cause of loss in property insurance. Most policies include coverage for losses resulting from burglary, which involves unlawful entry into a property with the intent to commit theft. As such, this choice does not fit the criteria of being an exception.

Theft is commonly covered under property insurance policies, including loss of property due to theft or attempted theft. Like burglary, it represents a sudden and unforeseen event that leads to loss, thereby categorizing it as a covered cause of loss.