Which endorsement would extend homeowners insurance to cover a natural disaster such as an earthquake?

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

Answer: (B)

Earthquakes aren’t typically covered by a standard homeowners policy, so adding an endorsement specifically for earthquakes is how you extend coverage for that peril. An Earthquake endorsement modifies the policy to insure against damage caused by earthquakes and may involve a separate deductible or premium, and it can apply to dwelling, other structures, and personal property depending on the terms. Other endorsements address different disasters—flood coverage, wind damage, or terrorism—so they wouldn’t provide earthquake coverage. The Earthquake endorsement directly targets the scenario described, making it the right choice.