Final answer:
Pets are not covered under standard homeowners insurance policies, whereas items like jewelry, money, and watercraft may have limited coverage and can require additional protection.
Step-by-step explanation:
The type of personal property that would NOT be covered under a typical homeowner’s policy is B. Pets. Homeowners insurance policies generally cover personal property such as jewelry, money, and watercraft to certain limits, but pets are not considered personal property in this regard and are typically excluded. Items like jewelry may have limited coverage and valuable items often require additional endorsements or riders. Watercraft may also have limited coverage and may require a separate policy for full protection.