Which of the following losses would NOT be covered by a homeowner's policy?

A homeowner's policy generally provides coverage for various types of personal property losses, including those resulting from fire, theft, vandalism, and certain natural disasters. However, there are distinctions based on the type of property and the circumstances of the loss.

In the case of a coin collection lost in a fire, it would typically fall under the coverage of the homeowner's policy as personal property. Contents damaged or destroyed by fire are generally covered, assuming the policy does not have specific exclusions related to collectibles or similar items.

On the other hand, the other options are illustrative of covered losses under most homeowner's policies: an outboard motor damaged by hail, a utility trailer blown away by a tornado, and a stolen silver tea set would be covered losses because they represent personal property affected by perils that homeowners policies commonly insure against.

Therefore, the loss of a coin collection in a fire does not exemplify a situation that would typically be excluded from a homeowner's policy, making it a potentially covered loss rather than a loss that would not be covered. Thus, the answer points out a misunderstanding regarding what losses are covered under standard homeowner's insurance.