In what situations does contents insurance provide coverage for items outside of the home?

Contents insurance typically provides coverage for personal belongings taken outside the home, making this the correct choice. This type of insurance is designed to protect a policyholder's personal possessions against risks such as theft, loss, or damage, both inside and outside of their residence.

For example, if an individual takes their laptop to a café and it gets stolen, contents insurance could help cover the loss, as the policy extends to personal items that are temporarily outside the insured location. This principle is an important aspect of contents insurance that allows for flexibility in covering belongings wherever they may be, as long as they are within the stipulated geographic area outlined in the policy.

The other options do not align with the typical scope of contents insurance. Items stolen from a grocery store do not fall under personal coverage since they are not in the policyholder's possession. While items in a moving vehicle may sometimes be covered, it depends on specific policy terms, and not all policies automatically apply coverage to this scenario. Lastly, coverage for items in storage units typically has different conditions and limitations compared to personal belongings taken outside the home, making it a less comprehensive option in this context.