Which of the following is NOT a covered peril for dwelling under an HO-B policy?

In an HO-B (Homeowners) policy, covered perils typically include risks such as fire and lightning, civil commotion, and hail. These perils are explicitly mentioned in the policy as risks against which the dwelling is insured.

Wear and tear, however, is not considered a covered peril under an HO-B policy. This is because wear and tear refers to the gradual deterioration of property that occurs over time as a result of normal usage and aging. Insurance policies generally do not cover losses due to lack of maintenance or gradual damage, as such issues do not arise from unforeseen or sudden events. This distinction ensures that homeowners maintain their properties actively rather than relying on insurance for issues that stem from neglect or routine use.