Which of the following is NOT included in the nine optional classes of property covered by the Personal Articles Form?

The Personal Articles Form is designed to provide additional coverage for specific types of personal property that may not be adequately covered under a standard homeowners policy. The optional classes of property typically include items that have significant value or unique considerations.

Jewelry, fine arts, and stamps are often included in these optional classes because they can have high value, be subject to specific risks, or require special appraisal and coverage considerations.

Furniture, on the other hand, is generally covered under standard homeowners insurance policies. The typical coverage for personal property in a homeowners policy includes furniture and related household items, which is why it does not fall under the nine optional classes covered specifically by the Personal Articles Form. By understanding these distinctions, it becomes clear why furniture is not included as an optional class in this specific insurance context.