Which of the following is an example of an insurance exclusion?

The selection of losses due to intentional acts as an example of an insurance exclusion reflects a fundamental principle within insurance policies. Insurance is designed to provide coverage for unforeseen and accidental events that lead to loss or damage. When a policyholder intentionally causes damage or loss, insurance is generally not designed to cover those actions, as it would be contrary to the principle of risk management. Allowing claims for intentional acts would undermine the purpose of insurance and potentially lead to fraudulent claims.

In contrast, the other options relate to scenarios that typically fall within the coverage parameters of standard insurance policies. Claims for theft of personal property, accidental damage during a move, and property damage from extreme weather are generally considered practical risks that policies are intended to address. Therefore, when the focus is on exclusions, intentional acts stand out as a clear example, emphasizing the need for insurance to operate on a foundation of mutual trust and accountability.