Which of the following is a common example of a "common exclusion" in insurance policies?

Coverage for acts of war is a common exclusion in insurance policies because it is considered a risk that is beyond the control of both the insurance provider and the policyholder. Insurers typically exclude coverage for acts of war, including invasions, civil war, and rebellion, due to the potentially catastrophic nature and the high costs associated with such events. Including it in coverage would lead to insurability challenges and significant financial exposure for insurers.

In contrast, coverage for fire damage, theft of personal items, and vandalism are typically included in standard homeowner's policies, provided certain conditions are met, as these risks are more manageable and predictable. Insurers design policies to protect against risks that are ordinary and foreseeable in daily life, making the inclusion of fire, theft, and vandalism more commonplace compared to acts of war, which fall into a category that insurance cannot practically cover.