Which of the following is typically excluded from personal property coverage in a Homeowners Policy?

Personal property coverage in a Homeowners Policy usually includes a wide range of items such as furniture, clothing, and appliances. However, pets are typically excluded from coverage. This is because pets are considered personal property under the law, but insurance policies usually do not cover animals due to their unique nature as living beings. Insurance policies generally focus on tangible items that can be assessed in terms of value and replacement cost, whereas pets can present a different set of risks and considerations. Thus, homeowners should seek specific liability or health insurance coverage for their pets separately, as these animals are not compensated under standard personal property coverage.