Which of the following losses would not be covered under section II of the homeowner's policy?

Under section II of a homeowner's policy, personal liability coverage applies to damages that the insured is legally liable for due to bodily injury or property damage to others. The scenario where the named insured's son damages the family garage with his car involves damage to property owned by the named insured. Homeowner's policies typically do not cover damages to the insured's own property under the liability section, hence this loss would not be covered.

In contrast, the other scenarios describe events that align more closely with the coverage provided. Loss due to theft of personal property is typically covered under the policy, as is damage from fire, which usually falls under the dwelling coverage. Damage to a neighbor’s fence during a storm can also be covered, as it pertains to liability for damages to others' property. Thus, the correct choice reflects an event that is excluded from coverage within the context of section II of the homeowner's policy.