1.9. Lilly and James are in a permanent life partnership. They moved in together 2 years ago. Lilly has comprehensive insurance over her household goods to the value of R200 000 . Choose the correct statement. A. If Lilly and James had a break in, where goods were stolen, only Lilly's goods will be covered. B. If Lilly and James had a break in, where goods were stolen, goods will be covered only if specified in the agreement. C. If Lilly and James had a break in, where goods were stolen, any goods will be covered, to the value of R200 000. D. If Lilly and James had a break in, where goods were stolen, it would have to be proved, what was stolen and to whom the goods belong to. E. None of the above

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1. **Understanding Insurable Interest**  
 A comprehensive household insurance policy only covers the property for which the insured has an insurable interest. In this case, Lilly has insured her household goods to the value of $$ R200\,000 $$.

2. **Ownership and Coverage**  
 Although Lilly and James share a permanent life partnership and live together, the policy is in Lilly’s name covering her goods. This means that only those items for which Lilly can show an insurable interest are covered. James’s own goods are not automatically included unless they are specifically insured in Lilly’s agreement.

3. **Evaluating the Options**  
 - **Option A:** “If Lilly and James had a break in, where goods were stolen, only Lilly's goods will be covered.”  
  Since the policy covers only Lilly’s insured household goods, this statement is correct.  
 - **Option B:** “...goods will be covered only if specified in the agreement.”  
  A comprehensive policy typically covers all household goods of the policy holder without needing to list every item, so this is not the best interpretation.  
 - **Option C:** “...any goods will be covered, to the value of $$ R200\,000 $$.”  
  This is incorrect because it suggests that goods belonging to anyone in the property (including James’s) would be covered, which is not the case.  
 - **Option D:** “...it would have to be proved, what was stolen and to whom the goods belong to.”  
  While proving loss and ownership is generally part of the claims process, this statement is not the key issue here regarding coverage under the policy.

4. **Conclusion**  
 Given that Lilly’s policy only covers her household goods, the correct statement is:

$$ \boxed{	ext{A. If Lilly and James had a break in, where goods were stolen, only Lilly's goods will be covered.}} $$
If Lilly and James have a break-in and goods are stolen, only Lilly's insured household items (up to $$ R200\,000 $$) will be covered.

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