How is burglary defined in crime insurance policies?

Burglary in crime insurance policies is defined specifically to include the elements of unlawful entry and theft. The correct answer highlights that there must be visible evidence of forced entry to satisfy the condition of burglary. This definition helps insurance companies differentiate between burglary and other forms of theft, as forced entry signifies that the perpetrator took significant steps to invade the property, which can be a basis for higher risk and greater insurance claims.

Insurance policies typically require this explicit condition so that they can more accurately assess the risk and prevalence of claims, creating a clear distinction from other theft-related incidents that do not involve breaking and entering. This definition ensures clarity regarding which incidents are covered under burglary clauses in insurance policies, thereby protecting both the insurer and the insured. Other definitions presented in the options, while related to theft or unauthorized taking, do not encompass the critical aspect of forced entry that defines burglary in the context of crime insurance.