An insured's camera that is stolen by a visitor is covered under the homeowners policy. True or False?

The statement is true because a homeowners insurance policy generally includes coverage for personal property against risks such as theft, regardless of whether the perpetrator is a visitor or not. Homeowners insurance typically protects the policyholder's possessions within the home and may also provide coverage for personal property that is temporarily away from the residence.

In this case, since the camera was stolen, the insured would be eligible for a claim to recover the value of the camera under their homeowners policy. Homeowners insurance is intended to cover a variety of personal belongings, and situations involving theft are common claims processed under these policies.

The other options do not apply in this context. Homeowners policies do not typically impose strict time constraints like a reporting requirement within 24 hours for theft claims, nor do they differentiate claims based on whether the act was intentional regarding visitors.