What is the name of your state (only U.S. law)? Minnesota

Hello,
I own an antique violin bow covered under a policy independent of homeowners'. I recently dropped it and it broke, which causes 90% loss. My contract says:

"We do not insure against "loss" caused by or resulting from an intentional act by you or a family member living in your household. An intentional act is one whose consequences could have been foreseen by a reasonable person."

Is there any chance that my company could try to claim that my accident was an "intentional act?" Or am I being needlessly paranoid?

Thank you!What is the name of your state (only U.S. law)?