Which situation would NOT be covered under contents insurance?

Contents insurance is designed to protect the belongings within a home against various risks such as theft, damage, or loss. However, it typically has specific conditions and exclusions that outline what is and isn't covered.

In the case of losing valuable items, there are usually limitations under contents insurance. For instance, valuable items might not be covered if they are lost without any evidence of theft or forcible entry. Insurers often require proof that the loss occurred under specific circumstances, such as theft or an insured peril like fire or water damage. If items are simply misplaced or lost under circumstances that don't meet the insurer's criteria, this would not be covered, leading to the conclusion that this situation would not qualify for reimbursement under a typical contents insurance policy.

In contrast, the other situations listed generally fall within the scope of coverage. Theft through forcible entry is typically protected as it denotes criminal activity directly leading to loss. Likewise, accidental damage during a move often falls under coverage, as insurers recognize that mishaps can occur during transportation. Damage from unauthorized entry also aligns with the general understanding of theft or attempted theft, where the damage incurred is a direct result of the unlawful act, making it a likely candidate for coverage.