Which situation would likely lead to a voided insurance policy?

Engaging in fraudulent activities, such as arson, would likely lead to a voided insurance policy because insurance contracts are based on the principle of utmost good faith. When an insurer offers coverage, it is based on the assumption that the insured will act honestly and not engage in any behavior that would artificially inflate a claim or lead to a loss that wouldn't have occurred otherwise. If a policyholder commits fraud, such as deliberately setting fire to their property to collect insurance money, the insurer has grounds to void the policy. This is because the act fundamentally breaches the contract's terms and conditions. In addition to voiding the policy, it could also lead to criminal charges and civil liability.

In contrast, the other scenarios do not inherently breach the contract terms—filming a promotional video may be permitted under certain stipulations, sleeping in a secured home typically complies with security requirements, and having an expired policy usually involves procedural handling, such as renewal notices or grace periods, rather than outright cancellation for fraud.