Which of the following would NOT typically be covered under a standard household contents policy?

A standard household contents policy typically covers items that are used for personal, domestic purposes within a home. This includes general household items such as furniture, electronics, and personal belongings.

The reason art supplies for a home business would not typically be covered under a standard household contents policy is that such policies are designed to insure personal property rather than items used for commercial or business purposes. Since the art supplies are being utilized for a business, they fall outside the scope of a standard home contents policy, which focuses on personal items rather than those associated with income-generating activities.

In contrast, items such as a TV purchased for personal use, garden furniture, and an antique collection are generally covered as they all serve personal, non-business-related functions. A standard policy is structured to protect the homeowner’s personal belongings rather than professional equipment or inventory used in a business setting, which is why the art supplies are excluded from coverage in this context.