Which listed peril is associated with the coverage for personal property in an HO-B policy?

The association of falling objects as a peril covered under an HO-B policy for personal property is rooted in the policy's design to protect against specific risks. An HO-B policy, also known as the Homeowners 2 Broad Form, generally covers various perils that could cause damage to personal property. Falling objects, such as branches or debris from structures, fall under this category as they can directly impact a homeowner's possessions and cause loss or damage.

In contrast, wear and tear is typically considered a maintenance issue and not a peril covered by homeowners insurance, as it relates to the gradual decline of an item's condition due to normal use. Earthquake damage often requires separate coverage since it is not included in standard homeowners policies, including HO-B. Government action could involve situations where property is taken or damaged due to government property laws or regulations, but this, too, is not a covered peril under HO-B policies. Thus, falling objects correctly fit the criteria of a covered peril, making it the right choice in this context.