Theft coverage will respond if there is evidence of a theft. For example a broken door lock or other evidence that someone gained access to your premises. The broader coverage available from some carriers can include mysterious disappearance which is basically that the insured item is not where you believed it to be and therefore has been possibly stolen or you simply do not understand how it disappeared. Mysterious disappearance is generally more expensive than theft , and is generally purchased in-connection with protecting valuable articles of jewelry, watches and furs or other property that have their own sub limits in a homeowners or renters policy. Read the policy relative to how jewelry , watches and fine arts are protected and if it does not sound like enough coverage talk to your agent.
Renters Insurance can be bought HERE