In a homeowners policy, what is excluded from coverage for landlord furnishings?

In a homeowners policy, landlord furnishings typically exclude coverage for theft. This is because most standard homeowners policies are designed to provide coverage for the structure of the home and personal property of the homeowners themselves, rather than for the personal property of tenants or items left in a rental property by the landlord, especially in situations where the landlord is not actively present.

The loss of landlord furnishings due to theft often falls outside the scope of what is deemed necessary to be covered, as landlord policies are primarily focused on the protection of the property and the liability associated with renting. Hence, if a landlord's furnishing is stolen, the policy does not provide financial compensation for that loss.

In contrast, physical damage from fire may be covered under the structure portion of the policy, accidental damage could potentially be addressed depending on the specifics of the coverage, and wear and tear is usually classified as a maintenance issue and not subject to coverage under most insurance policies.