Which of the following is typically offered as an endorsement in a homeowner's insurance policy?

Homeowner's insurance policies often include endorsements that expand the coverage beyond the standard provisions. Endorsements are additional options that can be added to a policy for an extra premium, providing protection against specific risks that are not typically covered under a regular homeowner's policy.

Flood coverage is usually excluded from standard homeowners insurance, but it can be purchased through the National Flood Insurance Program (NFIP) or through private insurers. Earthquake coverage also falls outside the standard coverage, and it typically needs to be added as an endorsement or endorsement option due to the significant risk in certain areas.

Thus, both flood and earthquake coverages can be offered as endorsements to homeowner's insurance policies, allowing policyholders to customize their protection according to their specific geographic risks and needs. By selecting the correct answer, you acknowledge that these important protections can be catered to individual circumstances, enhancing policy coverage when necessary.