What must be true for contents insurance coverage to be valid in case of theft?

For contents insurance coverage to be valid in cases of theft, it is essential that there is evidence of forcible entry or exit. This requirement is based on the premise that for insurance claims to be honored, there must be clear proof that the theft was not merely opportunistic or the result of negligence on the part of the insured. Forcible entry indicates that the theft involved breaking into a locked or secured area, which strengthens the validity of the claim.

The stipulation for forcible entry helps insurers assess the legitimacy of the claim, ensuring that only situations of actual theft through unlawful means are covered. This requirement also aligns with the general principles of theft in insurance policies, where the presence of force or aggression is a critical factor in distinguishing between a burglary and simple loss or misplacement of items.

The other options do not directly pertain to the fundamental requirements for theft coverage in contents insurance. While securing keys, registering items, or having separate policies may be useful practices or suggestions, they do not hold the same weight as the requirement for forcible entry when it comes to validating a theft-related claim.