Which endorsement covers damage from earthquakes?

The earthquake endorsement is specifically designed to provide coverage for damages resulting from earthquakes. Standard homeowners' insurance policies typically exclude earthquake damage, which can lead to significant financial losses, especially in seismically active regions like California. This endorsement allows homeowners to add protection against the risk of earthquakes, ensuring that both structural damage to the home and personal property within it can be covered in the event of such an occurrence.

The other options are related to different types of risks. The water backup endorsement addresses issues related to water damage that can occur from sewer backups, which is a different concern entirely. The identity fraud expense endorsement focuses on covering costs associated with identity fraud, such as legal fees and lost wages, while the home business endorsement provides coverage for business-related activities conducted out of a home. Each of these endorsements serves specific purposes unrelated to the risks posed by earthquakes.