Final answer:
Homeowner's insurance typically covers furniture, appliances, and clothing, but has limits on high-value items like jewelry, often requiring additional coverage. The item not typically covered under a standard homeowner's policy for the value stated is theft of jewelry valued at $25,000.
Step-by-step explanation:
Homeowner's insurance provides financial protection against losses due to events like theft or damage by fire. It typically covers a range of items within the home, including furniture, appliances, and clothing. However, there are limits to the coverage provided for high-value items such as jewelry. Homeowner's policies generally have a sub-limit for theft of expensive items such as jewelry which is much lower than $25,000, often around $1,000 to $2,000, unless additional coverage is specifically added to the policy.