Final answer:
A standard homeowners insurance policy typically covers the theft of jewelry. Earthquake and flood damages usually require additional coverage, and accidental damage to a neighbor's property would be covered under liability, not directly by the standard policy.
Step-by-step explanation:
The loss that would be fully covered by a homeowner's insurance policy is theft of jewelry. Standard policies typically cover theft, which includes stolen jewelry, up to a certain limit. The policy may have a sub-limit for jewelry theft and require certain items to be appraised and specifically scheduled, but in general, theft is a covered peril.
In contrast, standard homeowners insurance policies do not typically cover earthquake damage or flood damage; these usually require additional coverage.
Accidental damage to a neighbor's property may be covered under the liability portion of a homeowners policy, but it is not direct damage to the homeowner's dwelling or personal property.
It's important to review the specifics of an insurance policy, as coverage can vary significantly by provider and by the options selected by the homeowner. When uncertain about coverage, policyholders should consult with their insurance agent to clarify their policy details.