Problem: Nina's former home, which had a well and an on-site septic system, was insured under a standard homeowners policy with no endorsements. She sold that home and bought one in the city that provides her with city water and sewer service. She tells her insurance agent that she wants the same coverage on her new home as she had on her old home. What added coverage should the agent suggest to reflect her change in exposures? (Search Chapter 1) a. Earthquake endorsement b. Flood insurance policy c. Public utility endorsement d. Water back-up or overflow endorsement