Do homeowner insurance cover intentional act?

Question

I'm wondering if homeowner insurance policies cover intentional acts. For example, if someone intentionally damages their own property or causes harm to someone else's property, would their homeowner insurance cover the damages? I'm curious to know if intentional acts are typically covered under homeowner insurance policies.

Answer 1

Homeowner insurance policies typically do not cover intentional acts. Intentional acts are generally excluded from coverage because insurance is designed to protect against accidental or unforeseen events, not intentional damage or harm. Intentional acts refer to actions that are done deliberately and with intent, such as vandalism, arson, or theft. These acts are considered to be intentional and are not covered by homeowner insurance policies.

It's important to note that the specific terms and conditions of homeowner insurance policies can vary, so it's always a good idea to review your policy documents or consult with your insurance provider to understand the exact coverage and exclusions. However, intentional acts are generally not covered by homeowner insurance policies.