Final Answer:
Liability policies typically cover damage to property owned by the insured, making option A an exception. Exclusions like intentional harm, property in control, and intentional acts are standard in liability policies. Thus the correct option is A) damage to property owned by the insured.
Step-by-step explanation:
Liability policies are designed to provide coverage for third-party claims arising from the actions of the insured. Exclusions are provisions in the policy that specify what is not covered. In this case, option A is the exception, as liability policies typically do cover damage to property owned by the insured. This is because the purpose of liability insurance is to protect the insured from claims made by others, and damage to the insured's own property falls under the realm of property insurance.
On the other hand, options B, C, and D are common exclusions in liability policies. Intentional acts causing harm (option B) are typically excluded as insurance is meant to cover accidental or unintentional events. Damage to property in the insured's care, custody, or control (option C) is excluded as it is more appropriately covered by property insurance. Injuries or damages caused unintentionally by the insured (option D) are generally covered by liability policies, as they align with the purpose of such insurance.
In summary, while liability policies generally exclude intentional harm, damage to property in the insured's control, and intentional acts, they usually do cover damage to the insured's own property, making option A the correct choice.
Therefore the correct option is A) damage to property owned by the insured.