Which of the following is considered a typical homeowners endorsement?

A typical homeowners endorsement that is commonly included in policies is the identity fraud expense coverage. This endorsement helps protect homeowners by covering the costs associated with identity theft, such as legal fees, lost wages, or other expenses related to resolving issues caused by identity theft. It addresses the increasingly common concern of identity theft and provides necessary support for policyholders in the event they fall victim to such crimes.

The other options do not fit the description of typical homeowners endorsements. Fire damage coverage is generally a standard part of a homeowners policy rather than an endorsement. Flood insurance is usually sold as a separate policy and is not part of standard homeowners coverage. Wear and tear coverage is considered a maintenance issue rather than something typically covered under a homeowners policy or its endorsements, as it is the responsibility of the homeowner to maintain their property.