Which item would be covered by the broad theft endorsement on a dwelling policy?

The broad theft endorsement on a dwelling policy is designed to extend coverage for theft of personal property when it is not inside the premises or while in transit. The correct choice involves a camera that the insured has taken on vacation. In this situation, personal property such as a camera is typically covered as part of the theft endorsement since it is personal belongings that the insured owns and departs with.

The other options are not covered by the broad theft endorsement for different reasons. An antique car would generally be insured under an auto policy rather than a dwelling policy. A pedigreed show dog might require specialized coverage, typically falling outside standard dwelling policy provisions. Fabric and patterns in a clothing designer's studio could also be subject to specific business-related insurance rather than personal property coverage under the broad theft endorsement. Therefore, the camera is the best representation of items covered under the terms of that endorsement when taken outside the insured location.