Which of the following is considered a non-standard item covered under household contents?

Jewelry is considered a non-standard item covered under household contents because it often holds significant value and may require specialized coverage beyond standard policies. Standard household contents insurance typically covers common items like furniture, appliances, and electronics, which are easily replaceable and have predictable valuations.

Jewelry, being valuable and often unique, may exceed the limits set by standard policies and can be subject to different terms. Therefore, insurers frequently recommend or even require additional coverage, such as a scheduling endorsement, to adequately protect jewelry against loss, theft, or damage. This distinction ensures that policyholders can receive appropriate compensation for their more valuable and specialized belongings in case of an incident.