Which of the following liability coverages must be added by endorsement to a homeowners policy in order to apply?

Personal injury coverage is an endorsement that is added to a homeowners insurance policy because it extends liability protection beyond the standard coverages typically included. While standard homeowners policies often cover certain types of bodily injury and property damage, personal injury refers to non-physical harm, such as defamation, invasion of privacy, or false arrest. This type of protection is not automatically included and needs to be specifically added to ensure that the homeowner is covered for these broader claims.

The standard liability coverages typically address bodily injury and property damage claims without requiring an endorsement. In contrast, personal injury coverage addresses a different category of liability that is crucial for comprehensive coverage, particularly in today’s digital age where reputational harm can lead to significant legal implications.