Which coverage is NOT typically included in a property insurance policy?

Intentional damage is not typically included in a property insurance policy because it is generally considered an excluded peril. Insurance policies are designed to cover unforeseen and accidental events, while intentional damage implies an act performed with the intention to cause harm or destruction. If property is damaged intentionally, the insurer is usually not liable for those damages, as this can be deemed a moral hazard, where the insured might otherwise have an incentive to cause harm for financial gain.

In contrast, fire damage, natural disaster coverage, and theft protection are common components of standard property insurance policies. Fire damage is one of the most basic forms of coverage, providing financial protection against losses caused by fire. Natural disaster coverage can include various perils such as earthquakes or floods, depending on the specific policy and endorsements. Similarly, theft protection is a standard coverage that addresses financial losses due to burglary or larceny. These elements are included to provide a comprehensive safety net for policyholders against a range of risks associated with property ownership.