What type of damage is covered by an HO-B policy for sudden accidental leakage?

An HO-B policy, or Homeowners Insurance Policy (Broad Form), is specifically designed to cover a range of damages that occur to a policyholder's residence and its contents. When it comes to sudden accidental leakage, coverage typically extends to incidents arising from household appliances.

Household appliances, such as washing machines, dishwashers, and water heaters, are common sources of water leakage that can lead to significant damage if not covered. An HO-B policy recognizes the risk associated with these appliances and provides coverage for losses that happen abruptly and unexpectedly, which aligns with the nature of sudden accidental leakage.

In contrast, damages from natural disasters are often covered under different types of policies or require additional endorsements, as they can include a wider range of events like floods or earthquakes, which are not standard inclusions in HO-B. Vandalism and theft might also not be specifically included under sudden leakage, as those scenarios involve intentional acts rather than sudden accidents related to household systems.