Under a Homeowners Policy, which peril can be covered by endorsement?

• A. Flood
• B. Earthquake
• C. Terrorism
• D. Windstorm

Answer: (B)

Endorsements extend a homeowners policy to cover perils not included in the standard form. Earthquake coverage is commonly added this way because earthquakes are typically excluded from the basic HO policy. Flood coverage works differently: standard HO policies don’t cover flooding at all, and flood protection usually comes from the National Flood Insurance Program or a separate flood policy, not an endorsement to the homeowners form. Windstorm is generally already covered under the standard policy (subject to deductibles and endorsements for high-wat area specifics), and terrorism coverage, while available as an endorsement in some cases, isn’t the typical example used to illustrate adding coverage via endorsement. So, earthquake is the peril best suited to be added by endorsement.