Which endorsement is only applicable to homeowners policies under the HO-802/804?

The endorsement that is only applicable to homeowners policies under the HO-802/804 is Replacement Cost Coverage. This endorsement specifically allows homeowners to have their property covered for the cost to replace it with new materials of like kind and quality, without a deduction for depreciation. This is particularly beneficial for homeowners who want to ensure they can fully restore their home to its original state following a loss.

In contrast, Wind and Hail Exclusion is a standard coverage detail that could apply to various policy types, rather than being exclusive to the HO-802/804 endorsements. Vandalism Coverage generally addresses certain risks that might apply to different forms of property insurance and is not limited to just these homeowner policies. Tenant Coverage pertains to renter's insurance and not homeowners insurance, making it irrelevant in this context. Therefore, Replacement Cost Coverage stands out as the exclusive endorsement applicable to the specified homeowners policies, enhancing their value and ensuring better protection for policyholders.