Dwelling Policy Practice Test

Which of the following items would be covered under the broad theft endorsement on a dwelling policy?

1. A camera at home

2. A camera the insured has with him on vacation

3. Stored furniture

4. Locked garage contents

The correct answer is: A camera the insured has with him on vacation

The broad theft endorsement on a dwelling policy extends coverage for theft to personal property both on and off the insured location. In this context, the correct answer pertains to a camera that the insured carries while on vacation. This is significant because many personal property policies only cover theft occurring on the insured premises, while the broad theft endorsement provides additional flexibility, ensuring that personal belongings, like a camera, are protected against theft even when the insured is away from home. While the other choices involve items that are located at the insured premises or secured locations, they typically don't qualify for theft coverage under a dwelling policy without the endorsement. A camera at home would generally be covered under the policy's standard provisions, but if stolen while the insured is traveling, it falls under the enhanced protection provided by the endorsement. Similarly, stored furniture and contents in a locked garage, while potentially at risk, do not extend the same level of comprehensive coverage afforded by the broad theft endorsement.