Which of the following is NOT covered by the HO 3 Special Form?

The correct response is based on the specific exclusions outlined in the HO 3 Special Form policy. This particular form offers coverage primarily for damages to the dwelling and personal property against all risks except those specifically excluded in the policy.

Fire damage, theft, and vandalism are all typically covered events, meaning the insurer would provide compensation for losses resulting from these occurrences, assuming they are not otherwise excluded by specific clauses in the policy.

However, water damage has certain exclusions depending on its source. For example, water damage that arises from flooding or sewer backups is generally not covered under the standard provisions of the HO 3 policy, which typically requires specific endorsement or additional coverage for such incidents. Therefore, in the context of this question, water damage is often the correct choice for something not covered by the HO 3 Special Form under typical circumstances.