A policy that does not have endorsements generally does not cover which of the following?

A policy that does not have endorsements generally does not cover intentional acts because personal lines insurance policies typically exclude coverage for damages or losses resulting from willful or deliberate negligence. This exclusion applies because insurance is designed to protect against unforeseen accidents and losses rather than intentional wrongdoings.

In contrast, unintentional acts are typically covered under standard policies, as they are the types of incidents that insurance is intended to address. Civil harms, which can include various types of legal liabilities, might fall under certain coverage provisions depending on the specific policy and context. Property damage, likewise, is a primary concern of many personal lines policies and is usually covered unless specifically excluded. Therefore, the lack of endorsements and the general structure of personal lines insurance policies create an inherent exclusion for intentional acts, making this the correct focus of the question.