Final answer:
Personal Injury coverage must be added by endorsement to a homeowner's policy, as it provides protection against legal liabilities like libel or slander, which are not typically covered in standard policies.
Step-by-step explanation:
The following liability coverage that must be added by endorsement to a homeowner's policy in order to apply is Personal Injury. Homeowners policies typically cover physical damage to property and personal liability for bodily harm or property damage that policyholders may cause to others.
However, Personal Injury protection is usually not included in the standard package and needs to be added specifically. This coverage protects against legal liabilities that may arise from issues such as libel, slander, false arrest, and invasion of privacy. Flood Insurance also requires separate coverage, but it is a different type of policy rather than an endorsement.
Umbrella Insurance is a standalone policy that provides additional liability coverage beyond what is included in homeowners and auto insurance policies. Fire Insurance is typically part of a standard homeowner’s insurance policy, so it does not need to be added by endorsement.