What does the earthquake insurance endorsement cover?

The earthquake insurance endorsement is designed to provide coverage for both the structure of the building and the contents within it. This comprehensive approach recognizes that an earthquake can cause significant damage not only to the physical structure, including walls, roofs, and foundations, but can also impact the personal property located inside, such as furniture, electronics, and personal belongings.

By offering protection for both elements, the endorsement ensures that policyholders are financially safeguarded against the extensive costs that may arise from an earthquake event, such as repairs to the building and replacing damaged or destroyed belongings. In contrast, options that limit coverage to either contents or structures fail to address the full extent of potential damages that could occur. Therefore, the correct answer reflects the inclusive protection afforded by the earthquake insurance endorsement.