In which situation would off-premises coverage in a broad theft endorsement apply?

Off-premises coverage in a broad theft endorsement is designed to protect personal property that is not located at the insured's primary residence, but is still within the scope of the policy's protection. In this context, it applies when personal belongings are stolen from a location other than the insured's home, as long as those items are covered under the policy.

In this scenario, the insured's camera being stolen from his vacation home qualifies for off-premises coverage. Although the vacation home is not the insured's primary residence, it is still a location where coverage can apply, especially since the insured was present there at the time of the theft. This aligns with the intent of off-premises coverage, as it acknowledges that personal belongings can be taken from locations that the insured occupies temporarily.

The other situations do not meet the criteria for off-premises coverage under a broad theft endorsement. The bicycle stolen from a friend's house may not be covered, as it is not specified as a primary residence or a location that the policy would cover. The theft of the car from a parking lot is generally covered under auto insurance rather than homeowners or dwelling policies. Lastly, the laptop stolen from a public library would also likely fall outside the coverage parameters because it is not associated with any