Which endorsement adds coverage for water damage from sudden discharge?

The endorsement that adds coverage for water damage resulting from a sudden discharge is indeed HO-400. This type of endorsement is designed to provide protection for homeowners when water damage occurs unexpectedly, such as a burst pipe or an accidental overflow from appliances like washing machines. This coverage can be crucial for homeowners because sudden water damage can lead to significant destruction and costly repairs, which may not be included under standard homeowners insurance policies.

While the other endorsements may address different forms of coverage or specific perils, HO-400 specifically targets the issue of sudden water discharge, making it the most relevant option for this scenario. Understanding these endorsements helps in ensuring that homeowners have the appropriate protection against various risks associated with water damage.