In household insurance, what is typically excluded from standard policies?

Intentional acts are typically excluded from standard household insurance policies because insurance is designed to cover unexpected and accidental losses, not those that are deliberately caused by the policyholder. This exclusion is fundamental to the principle of indemnity, where the insurer agrees to compensate for losses that are beyond the control of the insured. If a policyholder intentionally causes damage or loss, permitting claims related to those incidents would go against the very essence of insurance, which is meant to provide protection against genuine risks.

In contrast, other options like fire damage, theft, and even flood damage can often be covered under standard policies or through additional endorsements or riders. While coverage for fire damage and theft is common, flood damage may require specific or separate policies in many cases, but it is still within the realm of typical coverage options that can be included.