Clarise owns a vacation home on a lake, and has insured it under an unendorsed dp-3 policy with a coverage a limit of $120,000 and a coverage c limit of $40,000. clarise discovered that a rowboat she keeps tied to her dock on the lake has been stolen. she filed a claim under her dwelling policy for $700, the actual cash value of the rowboat. would theft of the rowboat be a covered loss?