Which of the following claims is excluded from liability coverage of a homeowners policy?

Damage to a friend's jacket borrowed by the insured is excluded from liability coverage of a homeowners policy because liability insurance typically does not cover personal property that is not owned by the policyholder. Liability coverage is designed to protect against claims of bodily injury or property damage to others for which the insurance holder is responsible. However, it does not extend to damage to personal belongings of friends or relatives when the insured has borrowed those items.

In contrast, damage to a rented property may fall under certain policy conditions that cover liability for damages caused to property of others while under the insured's care. Injury to a visiting guest is generally covered under liability provisions, as homeowners policies are designed to protect against accidents that happen on the property, ensuring coverage for injuries to others. Loss of personal belongings is typically covered under property insurance sections of a homeowners policy but does not fit within the liability coverage definition.

Thus, the exclusion regarding the borrowed jacket reflects the broader principle that liability coverage addresses external liabilities rather than the insured's own responsibilities toward their personal property.