Which Homeowners endorsement provides both property and liability coverage?

The Home Day Care endorsement is designed specifically to extend both property and liability coverage for homeowners who operate a daycare service in their residences. This endorsement is essential because, while a standard homeowners policy may provide some coverage, it typically does not account for the additional risks and liabilities associated with running a daycare.

By including this endorsement, policyholders gain coverage for their property used in the daycare operations, such as toys, furniture, and equipment, as well as increased liability coverage to protect against claims related to accidents or injuries that might occur in a home daycare setting. This dual coverage is crucial for business owners who want to safeguard their personal assets and manage the additional risks that come with care for children.

In contrast, the other endorsements listed primarily focus either on specific types of incidents, like identity theft, or may not encompass both essential areas of coverage—property and liability— as comprehensively as the Home Day Care endorsement does.