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

The appropriate coverage for a scenario involving a break-in where visible signs were left is that which specifically addresses burglary and theft. This type of coverage is designed to protect against losses caused by unauthorized entry into a property with the intent to commit theft. It caters to incidents where there is clear evidence of forced entry or signs of a break-in, thus directly aligning with the circumstances described.

Burglary and theft coverage typically includes protection for both the physical damage to the property caused during the break-in and the loss of personal belongings that may have been stolen. This coverage is distinctly tailored for incidents involving theft and provides specific benefits that would not be available under other types of insurance, such as property loss or general liability insurance, which serve different purposes.

Property loss insurance, while relevant to overall coverage for damages to the insured property, does not specifically focus on theft-related incidents. General liability insurance primarily covers claims resulting from injuries or damages to third parties rather than losses due to criminal activities. Health insurance, on the other hand, addresses medical costs and does not relate to property protection or theft events.

This makes burglary and theft the most fitting choice for the scenario, as it directly addresses the nature of the incident.