Which of the following losses would typically be fully covered by a homeowners policy?

A homeowners policy typically provides coverage for personal property losses, including theft, under its personal property coverage component. The loss of a silver tea set would generally be covered because it is considered personal property, and such items typically fall within the scope of what is insurable under a homeowners policy.

While the other options might seem like they would be covered as well, there are nuances that differentiate them. For example, many homeowners policies may place restrictions or exclusions on certain types of personal property, such as firearms or specific breeds of pets, which can limit coverage or apply sub-limits. Additionally, there may be specific coverage requirements for larger items like boats, which might need additional insurance or endorsements due to their higher value and associated risks. Therefore, the complete coverage of the silver tea set aligns well with typical homeowners policy provisions for personal property.