Which of the following items is excluded from contents insurance coverage?

Contents insurance is designed to cover personal belongings within a home, but it typically has certain exclusions. In this context, livestock, with the exception of horses, is commonly excluded from contents insurance policies. This is because standard contents insurance is not intended to cover agricultural or non-domestic animals, as they often have different insurance needs and risks associated with them.

On the other hand, personal effects, household appliances, clothing, and jewelry are all considered personal belongings that are usually covered under standard contents insurance policies. Personal effects might include items like electronics or furniture, while household appliances refer to devices like refrigerators or washing machines. Clothing and jewelry are generally covered as part of a homeowner's personal belongings, though specific coverage limits or conditions may apply. The exclusion of livestock emphasizes the policy's focus on more typical household contents rather than agricultural items.