Which of the following is true about the coverage of theft under contents insurance?

The statement that theft is excluded unless there is forcible entry accurately reflects a typical condition found in many contents insurance policies. Insurers often include this provision to mitigate the risk associated with insuring items against theft. The underlying premise is that if an entry was made without force — such as through an open door or window — the risk is deemed lower, and thus insurers may not provide coverage for items stolen under such circumstances. This requirement acts as a safeguard for insurance companies to prevent potential abuse of the policy, where individuals might claim theft even when adequate security measures were not in place.

In contrast, the other statements do not align with standard contents insurance terms. Not all theft events are covered, especially if there is no evidence of forced entry. Coverage for only vehicle-related items is too restrictive and does not accurately represent the broader scope of contents insurance, which typically encompasses various personal belongings within a home. Furthermore, while some contents insurance may provide coverage for items in transit, this is not universally applicable and often depends on the specific terms of the policy, rendering that option inaccurate in a general context.