In comprehensive insurance, which of the following is typically not covered?

In comprehensive insurance, the coverage typically includes a variety of perils, which aim to protect against unforeseen events that may cause damage to property. Intentional acts of damage are generally excluded from coverage because insurance policies are designed to protect against accidents and unintentional harm.

When a policyholder intentionally causes damage, it violates the principle of indemnity, which states that insurance is meant to compensate for losses that are accidental or unexpected. Therefore, manufacturers of insurance policies exclude coverage for losses that result from intentional actions, as this would promote reckless behavior and undermine the integrity of the insurance system.

In contrast, theft of personal items, weather-related property damage, and vandalism to property are typically covered as they fall under unintentional acts or unforeseen circumstances, which align with the purpose of comprehensive insurance.