Endorsements modify coverage; which two are common endorsements in property policies?

• A. Ordinance and Law coverage and Sewer Backup
• B. Comprehensive Auto Coverage and Personal Injury
• C. Earthquake and Flood
• D. Equipment Breakdown and Flood

Answer: (A)

Endorsements are add-ons that adjust a standard policy to cover risks that aren’t included by default. In property policies, a couple of the most common tweaks address real, frequent gaps: Ordinance and Law coverage and Sewer Backup.

Ordinance and Law coverage helps with the extra costs that can come from rebuilding after a loss to meet current building codes or ordinances. It can cover the cost to bring the rebuilt structure up to code, not just the physical damage, which can be much more expensive than the damage itself.

Sewer Backup coverage protects against damage from sewer line backups or sump pump failures, a scenario many standard policies don’t fully cover.

The other options mix in coverages that aren’t typical property-policy endorsements (like auto coverage or personal injury), or pair endorsements that aren’t as universally common together in standard property forms. That’s why the two listed above are the best fit as common property-policy endorsements.