Which of the following is NOT typically covered by a standard homeowner's policy?

A standard homeowner's policy typically provides coverage for a variety of risks, including general liability and fire damage to exterior structures. Scheduled personal property, on the other hand, refers to specific items that you want to insure for their full value, like collectibles or high-value jewelry, and this type of coverage is explicitly detailed within the policy.

Unscheduled high-value items, however, are generally not covered in full under a standard homeowner's policy. These items may exceed the limits of the policy, meaning if they are damaged or lost, the homeowner may receive a payout that does not reflect their actual value. Instead, the homeowner would need to seek additional coverage or endorsements specifically for those high-value items to ensure they are adequately protected.

This distinction is important for policyholders to understand, as it affects their risk management and the adequacy of their insurance coverage for valuable possessions.