Which of the following losses is generally NOT covered under an HO-B policy?

An HO-B policy, which is a type of homeowners insurance, typically provides a range of coverages for personal property and dwelling. However, certain types of losses are excluded from coverage under this policy.

Damage resulting from government actions is not covered under an HO-B policy. This can include losses due to government seizure of property or the destruction of property for public use, as governments often reserve the right to enforce regulations and undertake actions that may lead to property damage without providing compensation to homeowners.

In contrast, damage from hurricanes, theft of personal items, and lightning strikes are generally covered under an HO-B policy. Hurricanes typically fall under the peril category of windstorms, and theft is considered a covered loss within the policy's standard coverage for personal property. Lightning strikes are also included as they are classified as a natural peril that can cause damage to homes and belongings.