You are transporting your home stereo from your apartment to your parents' home. Overnight, your car is broken into and your home stereo is stolen. Is there coverage available for the theft of your home stereo and if so, where? It is covered under your homeowners' policy without an endorsement It is covered under your PAP only with an endorsement. It is covered under your PAP without an endoresment Your homeowners' policy would normally provide coverage, but the loss did not occur while the personal property was in the house