What is a common exclusion related to coverage for personal property under an HO-B policy?

A common exclusion related to coverage for personal property under an HO-B policy is damage caused by rats and mice. Many homeowners insurance policies, including the HO-B form, typically do not cover losses due to pest infestations such as rodents. This exclusion exists because damage from infestations is often viewed as preventable through proper maintenance and home care. Homeowners are expected to take reasonable steps to avoid these types of issues, so insurance providers do not cover these risks.

Other perils like theft, windstorm damage, and vandalism are generally covered under these policies, provided that certain conditions are met. Theft from the home is usually covered unless specific exclusions apply, while windstorm damage and vandalism typically fall under the standard coverage of property insurance. Therefore, the exclusion pertaining to damage caused by rats and mice is a significant and well-recognized limitation within the confines of an HO-B policy.