Which of the following personal properties is NOT generally covered by an unendorsed homeowners policy?

Homeowners insurance typically provides coverage for personal property owned by the policyholder, including items such as furniture and appliances. However, the belongings of roomers or tenants are generally not considered the policyholder's personal property and thus are not covered under a standard homeowners policy without specific endorsements or separate policies.

The insurance policy is designed to protect the owner's possessions within their residence, meaning that items owned by others living in the home – such as roomers – fall outside this primary coverage. In contrast, items like jewelry, while they often have limited coverage under standard policies, can usually be added through endorsements or separate riders for additional protection, reflecting their high value.

This distinction is crucial for anyone managing insurance for their home, as it emphasizes the need to understand who is covered under a policy and the types of property that may require special considerations.