Which of the following is NOT a coverage under the Texas HO-B policy?

The Texas HO-B policy, which is a type of homeowners insurance, typically includes several types of coverage for common risks associated with homeownership. These include coverage for windstorm, theft, and fire, which protect against various dangers that a homeowner might face.

Flood, on the other hand, is not covered under the standard Texas HO-B policy. Instead, coverage for flood damage must be obtained through a separate flood insurance policy, usually backed by the National Flood Insurance Program (NFIP) or from private insurers. This distinction is crucial for homeowners to understand when budgeting for adequate insurance and preparing for potential risks.

Therefore, identifying flood as the correct answer highlights the limitations of the HO-B policy in covering water damage that results from flooding, emphasizing the need for additional protection when living in areas prone to such risks.