Which of the following is typically a coverage that can be added as an endorsement?

Flood insurance coverage is typically a type of insurance that can be added as an endorsement to a homeowner's insurance policy or is available separately through the National Flood Insurance Program (NFIP). This specialized coverage protects policyholders from losses due to flooding, which is not covered under standard homeowners' policies.

Adding flood insurance as an endorsement allows homeowners, especially those in high-risk flood zones, to manage their exposure to flood-related risks effectively. It ensures that property owners have the necessary financial backing in the event of flood damage, which can be significant.

While some other options, such as general liability coverage, may sometimes be incorporated into broader commercial policies, they are not commonly added as specific endorsements to a homeowner's policy like flood insurance can be. Similarly, increased premium cost coverage is not a standard endorsement that can be applied to most insurance policies. Homeowner's insurance coverage itself is a primary policy rather than an endorsement.