The covariance matrix \( \mathbf{C} \) is computed as:
\[
\mathbf{C} = \mathbf{S} \cdot \mathbf{S}^H
\]
But here, for a full polarimetric SAR system, the **covariance matrix** is often computed as:
\[
\mathbf{C} = \langle \mathbf{k} \cdot \mathbf{k}^H \rangle
\]
where \( \mathbf{k} = [S_{HH}, S_{HV}, S_{VV}]^T \). For a simplified 2×2 matrix with just HH and HV, we compute \( C_{11} = |S_{HH}|^2 \).
Given:
\[
S_{HH} = 0.1 + 0.5i
\]
Then,
\[
C_{11} = |S_{HH}|^2 = (0.1)^2 + (0.5)^2 = 0.01 + 0.25 = 0.26
\]
\[
\boxed{0.26}
\]