What type of personal property is covered by a homeowners policy when it is stolen while the insured is on vacation?

A homeowners policy typically provides coverage for personal property belonging to the insured, such as furniture, electronics, and personal items, including a camera, even when away from home, like on vacation. This coverage generally applies as long as the loss occurs under circumstances covered by the policy, which often includes theft.

In the context of this question, the camera is classified as personal property owned by the insured. Therefore, if the camera is stolen while the insured is on vacation, it falls within the scope of personal property coverage outlined in the homeowners policy.

The other mentioned options do not qualify for coverage as personal property under typical homeowners policies. For instance, property moved to a newly acquired residence may have specific coverage conditions that need to be met. A neighboring pet, while temporarily kept, does not belong to the insured and would not be covered. Lastly, damage to a neighbor's fence would typically fall under liability coverage rather than personal property coverage since it relates to damage done to someone else’s property.