Which of the following is a common endorsement to a homeowners policy?

Water backup coverage is a common endorsement to a homeowners policy because standard homeowners insurance typically does not cover damages resulting from water that backs up through sewers or drains. This type of incident can lead to significant damage to a home and its contents. As homeowners seek more comprehensive coverage for various risks, including those associated with plumbing and drainage, water backup coverage becomes an important addition to their policy.

By opting for this endorsement, homeowners can ensure that they are protected against the financial impact of such incidents, which can be unexpectedly costly and detrimental to their property. This endorsement enhances the overall protection of the homeowners policy, addressing a specific gap that many homeowners may not initially recognize.