Which of the following would be covered under property insurance in an H03 policy?

In an H03 policy, which is a type of homeowner's insurance policy, there are specific coverages provided for various forms of property damage and theft. The scenario regarding the theft of jewelry up to $1500 aligns with what is typically covered under a standard homeowner's policy, as personal property, including jewelry, is generally protected from theft up to a specified limit.

This limit is important because while personal property is covered, certain items may have sub-limits for theft, explaining why the amount is capped at $1500 for jewelry, which is a common limitation in many insurance policies to manage risk for high-value items.

The other options represent different aspects of coverage that are either not included under the standard property coverage or are addressed under separate sections of the policy. For example, loss of use refers to additional living expenses and is not specifically property coverage. Damage to the roof would be covered under the dwelling portion of the policy, while replacement cost of personal property addresses how losses are valued rather than what is covered. Therefore, theft of jewelry aligns directly with the coverage intentions of an H03 policy.