Final answer:
The perils included in the HO3 policy for coverages A and B are the special named perils, which are specific risks or hazards listed in the insurance policy.
Step-by-step explanation:
The perils included in the HO₃⁻ policy for coverages A and B are the special named perils.
In insurance, a named peril is a specific risk or hazard that is explicitly listed in the insurance policy. In the context of the HO₃⁻ policy, coverage A typically pertains to the structure of the insured property, while coverage B is for detached structures.
Common examples of named perils in an HO₃⁻ policy include fire, lightning, windstorm, hail, theft, vandalism, and more. These perils are specifically named and covered by the policy, whereas any perils not explicitly listed are typically excluded.