You mention testing in the Simulator, but doesn't Handoff require Bluetooth, which the Simulator does not support?
Kenster999
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I found that what matters is how the "client" app creates the item on the pasteboard and what kind of objects it includes in the item.
For example, with Google Chrome on the Mac (version 85), if you highlight the URL of the current page in the address bar and copy that text to the clipboard, my iPhone (iOS 14) will just show the pasteboard item as having public.text and public.utf8-plain-text (and com.apple.is-remote-clipboard). In that case, of course, the iPhone UIPasteboard.general will show that it .hasStrings but not .hasURLs.
But if I "right-click" a link in Safari on the Mac and choose "Copy Link", then Safari will create a pasteboard item with text and also with public.url. These objects show up on the iPhone, and thus UIPasteboard.general.hasURLs == true.