Which of the following is typically excluded from coverage in most insurance policies?

Intentional acts of harm are typically excluded from coverage in most insurance policies because such acts involve purposeful actions that are contrary to the principles of insurable risk. Insurance is designed to protect against unforeseen and accidental events, and as such, providing coverage for actions that are deliberately harmful would undermine the purpose of insurance. Policies are based on the premise of indemnifying against losses that occur without intent, making intentional acts ineligible for claims.

Natural disasters, accidental damage, and theft are generally covered, although they may have specific conditions or exclusions outlined within different policies. Natural disasters may require specific types of coverage, like flood insurance or earthquake insurance, while accidental damage and theft are usually covered under standard property insurance policies within certain limits.