What type of loss might be excluded from coverage in a homeowners policy?

Intentional damage is typically excluded from coverage in a homeowners policy because insurance is designed to protect against unforeseen accidents or natural occurrences, not deliberate acts. By excluding intentional damage, insurers discourage policyholders from engaging in or benefiting from destructive behavior that they have caused themselves.

In contrast, natural disasters, even if they come with various limitations, are often covered under certain conditions in a homeowners policy, as are accidental damages, which are protected as they are unintended occurrences. Theft is also commonly covered, providing a safeguard against stealing property from the insured's home or premises. Therefore, intentional damage stands out as the type of loss that would not receive coverage under standard homeowners insurance policies.