What is required for an insured to receive additional coverage for theft under a dwelling policy?

To receive additional coverage for theft under a dwelling policy, it is required that the insured must occupy the dwelling. This condition is essential because theft coverage is typically intended for situations where the insured has a personal stake and connection to the property. When the insured occupies the dwelling, it demonstrates a level of personal investment and responsibility for the property, which is a key factor that insurers consider when providing coverage.

Coverage for theft is more closely aligned with the concept of homeowners' insurance, where the insured often lives in the house and thereby has more exposure to loss from theft. In contrast, the other options deal with scenarios that do not necessarily establish the same level of connection to the property, making them less relevant for qualifying for theft coverage under a dwelling policy.