Which of the following is typically NOT covered by a standard homeowners policy?

In a standard homeowners policy, personal income is not typically covered. Homeowners insurance is primarily designed to protect physical property and associated liabilities, and it does not extend to insuring financial income or earnings. The policy focuses on tangible assets like the home itself, personal belongings, and liability coverage for accidents that occur on the property.

In contrast, the other options represent types of property that might be covered under various provisions of a homeowners policy. Homeowners insurance generally protects against risks associated with electrical appliances, furniture, and even personal items, although there may be limits or exclusions for high-value items such as jewelry over a specified amount. Thus, while personal belongings are covered, the income one earns from employment or investments falls outside the scope of what homeowners insurance is intended to protect.