If the insured had a break-in where visible signs were left, what coverage applies?

The coverage that applies in the scenario of a break-in with visible signs left is indeed burglary and theft insurance. This type of insurance specifically addresses losses incurred due to criminal acts such as burglary, which involves unauthorized entry into a property with the intent to commit a crime, often theft. The presence of visible signs of a break-in, such as broken locks or forced entry points, serves as evidence of the act and would trigger this particular coverage.

Burglary and theft insurance typically covers the insured’s personal property that has been stolen. This can also cover damages caused during the break-in, which may include repair costs for the property that was damaged during the incident. Understanding the distinction between this type of insurance and others, like general liability or health insurance, is crucial; those cover different areas such as bodily injury and medical expenses, but they do not address property loss due to theft or burglary.

Property loss insurance is a more general term and may not specifically address the nuances of theft, thus making burglary and theft insurance the most appropriate coverage in this case.