What does "Acts of God" refer to in insurance terms?

In insurance terminology, "Acts of God" specifically refers to natural events that occur independently of any human actions, making them unpredictable and outside of human control. These events typically include natural disasters like earthquakes, floods, hurricanes, tornadoes, and other similar occurrences. Due to their unpredictable nature, they are often covered under specific provisions within insurance policies, as they represent risks that can cause significant damage to property and people.

The focus on natural events distinguishes "Acts of God" from damages caused by human actions or flaws in planning. Therefore, recognizing the unique and uncontrollable nature of these events is essential in the context of insurance, influencing how policies are structured and what is deemed insurable.