Which item is NOT excluded from coverage under a standard fire policy?

In a standard fire policy, certain items are typically excluded from coverage due to their high value or inherent risk associated with loss or damage. However, jewelry is generally covered under a standard fire policy, which makes it an exception compared to the other listed items.

Cash and securities, manuscripts, and bullion are usually excluded from coverage. This is because these items are either highly valuable and subject to particular risks or may require specialized insurance policies that cater to the unique nature of their value. For instance, cash and securities can be easily transported and stolen, while manuscripts and bullion also carry risks that a standard fire policy may not cover.

By understanding that jewelry can be included in a standard fire policy while the others are typically excluded, you can grasp the specific nature of insurance coverage and the rationale behind what's included or left out in standard policies.