Which of the following is NOT included in broad form coverage for HO?

Broad form coverage under a homeowners insurance policy typically protects against several common perils, but it does not encompass all potential risks. In this case, flood damage is the correct answer because standard broad form coverage specifically excludes flood as a covered peril.

Flood insurance is usually handled separately through a specific flood insurance policy provided by the National Flood Insurance Program (NFIP) or a private insurer. This is significant as flooding can cause substantial damage, and homeowners must be proactive in obtaining this type of coverage if they live in a flood-prone area.

On the contrary, theft, ice/snow/sleet, and fire are included in broad form coverage. Theft protection safeguards against the loss of personal property due to burglary, while coverage for ice, snow, and sleet relates to damage caused by the weight of accumulated ice or snow. Fire is also a covered peril, protecting against damages resulting from fire incidents. Thus, while broad form coverage is comprehensive in several aspects, floods are indeed excluded, necessitating separate policies to ensure coverage against such risks.