Which of the following is a common exclusion in most insurance policies?

Intentional acts are commonly excluded from most insurance policies because allowing coverage for such acts would contradict the purpose of insurance, which is to provide protection against unforeseen and accidental losses. Insurance is designed to cover events that are random and accidental in nature; any damage that is intentionally inflicted by the policyholder does not fit this criteria. For example, if a policyholder intentionally damages their property, they should not benefit from insurance coverage.

In contrast, natural disasters, accidental damages, and property theft are typically risks that insurers might cover, although they may come with specific limitations or conditions in the policy. This makes intentional acts a clear and common exclusion across various types of insurance. Understanding these exclusions is crucial for both policyholders and adjusters, as they dictate the boundaries of what is covered under an insurance policy.