Texas Adjuster Practice Test

Which peril is NOT included in the named perils covered for contents under the HO-B?

1. Vandalism

2. Theft

3. Flood

4. Fire

The correct answer is: Flood

The choice indicating that flood is not included among the named perils covered for contents under the HO-B is accurate. The HO-B homeowners insurance policy specifically lists named perils it covers, which typically includes fire, vandalism, and theft. Flood, however, is considered a natural disaster and is generally excluded from standard homeowners insurance policies unless a separate flood insurance policy is purchased. This distinction is crucial for adjusters and policyholders to understand, as it directly impacts coverage decisions and claims processes. Knowing which perils are specifically covered can help in effectively managing expectations and guiding clients in securing appropriate protection for their personal property.