Leaving the garage door open all day because 'my homeowners policy will pay if anything is stolen' is an example of which type of hazard?

Explanation

Carelessness or indifference that arises precisely BECAUSE insurance is in place is a morale hazard, sometimes called attitudinal hazard. Moral hazard requires dishonesty, such as inflating or staging a claim. Physical hazard is a tangible condition of the property, like defective wiring. Legal hazard describes the court and regulatory climate of a jurisdiction, not an insured's behavior.