The correct answer is option 1: "1 and 3".

Let`s dissect each option to understand why they do or do not violate human rights:

1. State forces disrupting peaceful protests: This action violates human rights because it infringes on the freedom of assembly and freedom of expression. Peaceful protests are a fundamental right for individuals to express their opinions and concerns.

2. State forces carrying out search warrants in insurgency-affected areas: This action does not necessarily violate human rights if it is carried out within the legal framework and respects the principles of proportionality and necessity. In insurgency-affected areas, states may need to conduct searches to ensure public safety and national security.

3. State forces engaging with armed insurgents in civilian areas resulting in loss of civilian lives: This action violates human rights because it disregards the principle of distinguishing between combatants and civilians. State forces have a responsibility to protect civilian lives and must take all necessary measures to minimize harm to civilians during armed conflicts.

Therefore, option 1 is the correct answer as it includes actions that clearly violate human rights. No alert is necessary.