Which liability coverage must be added by endorsement to a homeowners policy to apply?

Personal Injury Protection (PIP) is an endorsement that must be added to a homeowners policy to provide coverage, as it is not automatically included in standard homeowners insurance. PIP is designed to cover medical expenses and potentially lost wages for you and your passengers after an accident, regardless of who is at fault. While bodily injury and property damage liability are typically included in general liability coverage, medical payments to others also often has built-in limits under the homeowners policy. However, PIP requires a specific endorsement to activate that level of coverage. This makes PIP distinct in that it is not part of the standard homeowners policy framework and necessitates an additional endorsement for application.