Under a homeowners policy, coverage for personal property to include theft is often referred to as?

The term used to describe coverage for personal property that includes theft under a homeowners policy is known as a broad theft endorsement. This endorsement expands the standard coverage for personal belongings, offering protection against theft or loss of personal property within the home or while temporarily away from it. It is crucial for homeowners to consider this endorsement if they want comprehensive coverage for their belongings, as standard homeowners policies may limit or exclude theft coverage.

Standard property coverage typically addresses the basics of property protection without specifically including theft, thus failing to provide the full spectrum of coverage that a homeowner might desire. Personal liability coverage, on the other hand, deals with legal responsibilities in the event of injury or damage to others, not the protection of personal property itself. Extended coverage endorsement primarily provides additional protection against certain perils such as windstorms or hail, but does not specifically address theft. Therefore, the broad theft endorsement is the most accurate term for the coverage that includes protection against theft under a homeowners policy.