Which of the following is typically not protected under a Homeowner's policy?

A Homeowner's policy is designed to provide coverage for various risks related to owning and residing in a home, including damage to the structure and liability for injuries occurring on the property. However, there are specific exclusions within these policies to limit coverage, particularly when it comes to intentional actions.

Intentional damage caused by the policyholder is not covered under a homeowner's policy because insurance is fundamentally based on the premise of providing financial protection against unforeseen events and risks. When a policyholder intentionally damages property, it contravenes this principle, as the act is deliberate and willful. This exclusion is critical to maintaining the integrity of the insurance system, deterring fraudulent claims, and promoting responsible behavior among insured individuals.

In contrast, other options present scenarios typically covered by homeowner's policies. For instance, accidental damage to a family member's belongings may be covered depending on the specifics of the incident and the policy details. Similarly, homeowner's insurance often provides liability coverage for injuries caused by pets and can include protection against personal property theft from the insured premises. However, intentional acts by the insured are always exclusions, ensuring that coverage is reserved for accidental and unforeseeable occurrences.