Final answer:
The loss of a laptop computer due to a covered peril specified in the Personal Articles Floater policy is most likely to be excluded, as these policies are designed for high-value items and may not include common electronic devices.
Step-by-step explanation:
The question refers to potential exclusions under a Personal Articles Floater, which is a type of insurance policy that provides additional coverage for personal property beyond what is typically covered under standard homeowners or renters insurance policies. A Personal Articles Floater is designed to protect high-value items.
Regarding the options provided:
- Theft of a high-value engagement ring from the policyholder's home would typically be covered.
- Accidental damage to a designer watch during an international vacation would also typically be covered.
- Mysterious disappearance of a valuable artwork from the insured's private collection would generally be covered, depending on the terms of the policy, as this coverage is a key benefit of a Personal Articles Floater.
- However, loss of a laptop computer due to a covered peril specified in the policy would likely be excluded, especially if the laptop is used for business purposes or if the policy has specific exclusions related to electronic equipment.
Therefore, the most likely answer is the loss of a laptop computer due to a covered peril specified in the policy, considering that Personal Articles Floaters are intended for high-value personal items, not typical electronic devices like laptops which are usually covered under standard property policies.