Which of the following best describes the nature of burglary coverage?

Burglary coverage is specifically designed to address theft that involves unlawful entry into a structure with the intent to commit a theft or another crime. The key aspect of burglary coverage is the requirement for visible evidence of forced entry or exit. This means that in order for a claim to be valid under a burglary policy, there must be indications that a break-in occurred—such as damaged doors or windows—demonstrating that someone unlawfully entered the premises.

This requirement helps distinguish burglary from other types of theft, such as simple property theft or shoplifting, which may not involve any signs of forced entry. The emphasis on visible signs of forced entry ensures that the event was more than just a simple act of stealing, reinforcing the notion that it was a criminal act involving breaking into a property. Understanding this distinction is crucial for anyone studying personal lines insurance because it illustrates how insurance policies are tailored to cover specific risks related to property crime.