Which coverage is typically excluded from homeowners insurance?

The exclusion of intentional damage from homeowners insurance is rooted in the principle that insurance is designed to cover unintentional and unforeseen events rather than actions taken deliberately by the policyholder. Intentional damage refers to circumstances where a person intentionally causes harm or damage to their own property or to someone else's property. This exclusion protects insurers from fraudulent claims or situations where individuals might exploit their policy by causing damage on purpose to receive a payout.

In contrast, loss of personal property, medical payments, and liability for accidents are typical coverages included in homeowners insurance policies. These coverages are essential for protecting homeowners against various risks, such as theft, guest injuries, or unintentional damages that might occur during day-to-day living. Thus, intentional damage stands out as a key exclusion in homeowners insurance policies.