What is a common characteristic of claims that are usually excluded from insurance coverage?

The correct choice highlights that claims often excluded from insurance coverage are typically related to events outside of human control. This means that insurers generally do not cover claims resulting from incidents that are decidedly unpredictable or uncontrollable, such as natural disasters or acts of God. Insurers aim to manage risks based on factors that can be assessed and measured, so events that defy forecasting or mitigation are often excluded to maintain the stability of premium rates and the overall viability of the insurance pool.

In contrast, claims that can be predicted reflect more manageable risks, and those resulting from human error might fall into categories that can still be insured with certain exclusions or conditions. Claims that are within policy limits typically would be covered unless explicitly stated otherwise in exclusion clauses, making them less relevant when discussing common exclusions.