Final answer:
Personal injury liability coverage is not typically included in standard homeowners insurance policies and must be added by endorsement.
Step-by-step explanation:
The student's question asks which liability coverage must be added by endorsement to a homeowners policy in order to apply. The correct answer is personal injury liability.
This is not typically included in standard homeowners insurance policies and must be added if the policyholder wants this coverage.
Common homeowners policies often include property damage liability and bodily injury as part of the standard coverage, and medical payments to others are typically provided to guests injured on the homeowner's property, regardless of fault.
Selecting the right insurance coverages and understanding policy terms like deductibles, copayments, and coinsurance can be crucial for adequate protection and financial planning.
When considering endorsements or additional coverages like personal injury, it's important to review current policies and assess individual needs.