What type of theft would homeowners insurance cover on the insured's policy?

Homeowners insurance typically provides coverage for theft that occurs within the premises of the insured's home, which aligns best with the context of option A, where burglary of a home is involved. However, the theft of items from the home or within certain designated areas, such as a car when the item is normally kept in the home, may also be partially covered depending on the specific policy terms.

In the case of theft of a movie camera from a car, it would depend on whether that item was designated as part of the personal property covered under the homeowners policy and if the loss occurred in circumstances typically covered. Generally, personal property coverage under a homeowners policy can extend to belongings stolen from vehicles, as long as they are items that would be covered at home. Therefore, this type of theft is relevant to the coverage provided under homeowners insurance.

Understanding this distinction is crucial because theft occurring in public spaces or outside of the defined premises may not always be covered in the same way or to the same extent. Other scenarios, such as theft of a locked safe or vandalism resulting in theft, might involve additional complexities that could limit coverage or require specific coverage provisions.