Which of the following is a popular endorsement in a Personal Auto Policy (PAP)?

The popularity of endorsements in a Personal Auto Policy (PAP) often reflects the specific needs of insured drivers. Extended non-owned coverage is particularly noteworthy because it provides additional liability coverage for individuals who frequently operate vehicles not owned by them. This is especially relevant for those who may drive rental vehicles, borrow cars from friends or family, or use company vehicles.

The endorsement helps ensure that the policyholder has protection against liability claims that may arise while driving such vehicles, addressing a common scenario for many drivers. As the landscape of automobile use increasingly involves a mix of owned and non-owned vehicles, the demand for extended non-owned coverage continues to grow. This endorsement effectively fills a gap in coverage, enhancing the overall protection provided by a Personal Auto Policy.

In contrast, while theft protection can be important, it is typically included in comprehensive coverage rather than being a distinct endorsement. Homeowners insurance and life insurance benefits do not directly relate to auto policies and thus are not relevant in the context of endorsements associated with PAPs.