Which is excluded under Section I but covered under Section II of a homeowners policy?

Animals, birds, or fish are indeed excluded under Section I of a homeowners policy but covered under Section II. Section I typically addresses property coverage, which means that personal property such as pets or animals is not insured. This exclusion exists because typical homeowners insurance is not designed to cover pets due to the potential for liability claims arising from pet ownership.

However, under Section II, which deals with liability coverage, homeowners insurance can offer coverage for injuries or damages caused by pets. This means that while animals themselves (like dogs or cats) aren't covered as personal property, any liability that may arise from their actions is addressed in this section.

The other items mentioned do not fit this pattern: firearms are generally covered under property coverage but could have restrictions based on certain policy provisions; hobby aircraft are usually excluded from homeowners policies; ride-on lawn mowers, while they may have some coverage under certain circumstances, do not follow the same pattern as animals. Therefore, animals, birds, or fish stand out as the correct choice since they align with the specific exclusions in Section I and the coverage offered under Section II.