Insurers write exclusions into a property policy chiefly in order to:
Explanation
Exclusions keep the policy insurable and affordable by removing losses that are catastrophic or not accidental, exposures better handled by a different policy, and hazards only some insureds face and only they should pay for. Blocking lawsuits is not the purpose, and there is no federal standard dictating what a property form must exclude, since insurance is regulated primarily at state level.
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