Which of the following losses would typically NOT be covered by a homeowners policy?

A homeowners policy generally covers the personal property within the home for risks such as fire, theft, and certain types of damage. However, specific items may have limitations or exclusions based on the type of coverage or endorsements included in the policy.

In this case, a coin collection may not be fully covered because personal property has coverage limits for certain categories of valuables, including coins, jewelry, and collectibles. Standard homeowners policies often contain sub-limits for these types of items, which means that a much lower amount than the total value could be covered. If the loss exceeds that sub-limit, the insurance payout would not cover the entire value lost, making the loss difficult to recover under a standard policy.

In contrast, losses associated with a stolen silver tea set, a blown-away utility trailer, or an outboard motor destroyed by hail may fall under typical coverage since they are more likely to be categorized as personal property without the same limitations as collectible items. This differentiation highlights why the coin collection loss is often not fully covered under standard homeowners insurance policies.