Which type of insurance provides coverage for damages caused intentionally by the insured?

The correct answer is that none of the insurance types listed provide coverage for damages caused intentionally by the insured. Generally, intentional acts, such as vandalism or assault, are not covered by standard insurance policies. Insurance is designed to provide financial protection against unforeseen and accidental events, rather than deliberate actions taken by the insured.

Liability insurance typically covers unintentional harm or damage that the insured may cause to others, but it excludes intentional acts. Health insurance focuses on medical expenses and does not address property damage. Umbrella insurance is an additional layer of liability coverage that applies to various underlying policies but, similar to standard liability policies, does not cover intentional harm.

Understanding this distinction is important to avoid misconceptions about the scope of coverage in different types of insurance. Intentional damage is universally excluded in line with the principle of indemnity, which ensures that insurance serves to provide aid against unintended losses rather than to protect against consequences of willful wrongdoing.