Under what condition can broad theft coverage be added to a dwelling policy?

Broad theft coverage can be added to a dwelling policy specifically for owner-occupants of the dwelling. This type of coverage is designed to provide protection against theft of personal property that belongs to the insured.

Owner-occupants typically have a higher stake in the property and its contents, so insurance providers allow for this additional coverage option. It is also important to note that broad theft coverage is not available to tenants or non-owner occupants because their needs and levels of risk are different. Additionally, the existence of a security system or liability coverage does not influence the ability to add broad theft coverage in terms of eligibility—these factors may affect overall premiums or specific coverage limits, but they do not change the fundamental requirement that the insured must be the owner-occupant. Thus, option B aligns with the specific conditions required for extending this type of coverage under a dwelling policy.