Which of the following scenarios might require a specific endorsement to a homeowner's policy?

The scenario involving home office operations typically requires a specific endorsement to a homeowner's policy because standard homeowner's insurance often does not provide adequate coverage for business activities conducted from home. When you operate a home-based business, there are unique risks associated with your business activities, such as liability for customer injuries or damage to business property, which are not covered under a typical homeowner's policy.

To safeguard against these risks, a homeowner would need to purchase a home business endorsement or add business coverage to their existing policy. This endorsement can provide coverage for business equipment, liability related to the business, and potentially lost income due to a covered loss affecting the business.

In contrast, general property management typically falls under landlord liability and property insurance, which is generally covered with different types of policies specifically designed for rental properties. Liability from auto accidents would be covered under an auto insurance policy, and basic dwelling coverage is part of a homeowner's policy without needing an endorsement.