Which loss would be fully covered by a homeowners policy?

A homeowners policy typically includes coverage for personal property, but there are specific limits and exclusions that apply to different categories of items. In this context, the correct choice involves a silver tea set being stolen, which would generally fall under the personal property coverage of a typical homeowners policy.

The reasoning is that common household items like furniture, appliances, and certain collectibles, including a silver tea set, are typically covered under the personal property section of a homeowners policy without exceeding standard policy limits. The policy will cover losses for theft of such items up to the policy limits, making the loss fully covered unless it specifically exceeds those limits.

The other options may involve items that are either excluded or limited in coverage under most homeowners policies. For instance, coverage limits on pets, specialty items, or recreational vehicles might lower the protection offered for those losses, resulting in partial coverage or no coverage at all. In summary, typical homeowners policies provide complete coverage for general household items like the silver tea set indicated, adhering to the terms of the policy.