What type of liability does homeowner's insurance typically not cover?

Homeowner's insurance typically does not cover intentional acts or injuries because these are considered deliberate actions that go against the principles of liability coverage. Insurance policies, including homeowners insurance, are designed to protect against unforeseen and accidental occurrences rather than willful misconduct. Intentional acts imply that the policyholder had the intention to cause harm or damage, which is usually explicitly excluded from coverage to prevent fraudulent claims.

In contrast, accidental injuries occurring on the property, medical expenses for guests, and property damage caused by pets fall within the scope of homeowner's insurance policies. These coverages are essential components of homeowner's insurance, providing protection and peace of mind against unintentional liabilities that might arise in the course of everyday living.