Which of the following examples of losses is also covered under an HO-2 homeowners policy?

The coverage provided by an HO-2 homeowners policy, also known as the Broad Form, includes specified perils that protect against certain risks to the dwelling, personal property, and liability. Specifically, the perils covered under an HO-2 include those that are explicitly listed in the policy.

In this case, damage to the dwelling caused by lava or dust from a volcanic eruption is an example of a covered peril under an HO-2 policy. Volcanic eruptions are listed as one of the covered hazards, meaning that if a volcanic eruption causes damage to the insured property, the policy would provide coverage for that loss. This is crucial as it reflects the policy's intent to shield the insured from certain natural disasters, hence emphasizing the importance of understanding the specific perils included in different homeowners insurance forms.

The other choices involve scenarios that typically do not fall under the coverage provided by an HO-2 policy. For example, losses resulting from personal negligence—such as damaging the dwelling while moving furniture or accidental scorching of countertops—are usually not covered. Similarly, interior damage from water seeping under the shingles could be seen as maintenance-related, and many policies, including HO-2, would not cover such issues unless they arise from a specifically covered peril