Final answer:
The condominium unit owners endorsement does not typically cover furniture, as this is regarded as personal property and not part of the condominium's building structure or systems.
Step-by-step explanation:
The condominium unit owners endorsement typically adds coverage to the condo owner's insurance policy, which is secondary to the insurance provided by the condominium association's master policy. This endorsement generally covers items within the unit that are the owner's responsibility according to the condo association's bylaws, which often include improvements and betterments made by the unit owner.
Fixtures, alterations, and appliances within the condo unit that are owned and installed by the unit owner are usually covered by the condominium unit owners endorsement, as these are considered parts of the unit the owner has a responsibility to insure. Furniture, however, is different. It is considered personal property, not a part of the building's structure or integral systems, and typically falls under personal property coverage, not the condominium unit owners endorsement.
Therefore, the item not covered by the condominium unit owners endorsement is furniture in the building. Furniture is covered under personal property insurance, separate from the endorsement that covers built-in elements of the condominium.