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

A homeowner's policy typically covers personal property losses, but there are specific limitations on items that may not be fully covered based on their type or value. In this case, while personal property losses from fire are usually covered, the answer indicates that the coin collection valued at $500 lost in a fire would not be covered due to the specific limitations regarding collectibles and certain high-value items.

Many homeowner policies impose restrictions on coverage for collectibles, such as coin collections, stamps, or fine art, which may either not be included or might require additional endorsements or riders for full protection. In this scenario, the value and nature of the coin collection may exceed the standard limits provided for personal property, hence resulting in a loss that wouldn't be compensated by the homeowner's policy.

The other scenarios represent types of losses that fall within the general coverage limits. A utility trailer blown away by a tornado, a stolen silver tea set, and an outboard motor destroyed by hail are all covered events that would typically fall under the perils insured against in a homeowner's policy, making them valid claims.