Which of the following is NOT typically covered under a standard homeowners insurance policy?

A standard homeowners insurance policy generally covers a wide range of risks associated with homeownership, including damage to the home and personal property, as well as liability for certain incidents. When it comes to personal property, policies often have specific limits on coverage for high-value items like jewelry, art, or collectibles.

Jewelry over a certain limit is often explicitly excluded or covered at a reduced amount under standard homeowners policies. This means that if someone's jewelry exceeds the policy's stipulated limit for personal property, they may not receive adequate compensation for theft or damage to those items unless additional coverage is purchased, such as a rider or endorsement specifically for high-value items.

In contrast, personal liability claims, damage from fire, and theft are typically included within the standard definitions of coverage in homeowners insurance, thereby providing broad protection for homeowners. This distinction highlights the importance of understanding the specifics of a homeowners policy and recognizing any limitations on coverage for particularly valuable personal property.