Final answer:
The endorsement that will help insure Phil's house, even before it is finished, is Dwelling under construction. This endorsement provides coverage for the home during the construction process.
Step-by-step explanation:
The endorsement that will help insure Phil's house, even before it is finished, is D. Dwelling under construction. This endorsement provides coverage for the home during the construction process. It covers the property, materials, and fixtures while the house is being built. If any damage occurs during construction, such as theft or vandalism, the endorsement will provide coverage.