In section 2 of homeowners policy, which of the following is considered exclusive?

In a homeowners policy, coverage for liability typically encompasses various types of risks, but liability for an injury that is expected or intended is specifically excluded from coverage. This means that if an individual deliberately causes harm to another person, the insurance policy would not provide any protection or benefit for that injury.

The rationale behind this exclusion is rooted in the principle that insurance is designed to protect against unforeseen accidents rather than intentional acts. This promotes responsible behavior and discourages individuals from engaging in activities that could lead to such injuries. Therefore, in section 2 of a homeowners policy, liability for an injury that is expected or intended stands out as the exclusive element that is not covered, distinguishing it from the other options, which may have varying coverage provisions under the policy.