1. A(n) ____________________ changes a policy by modifying the scope pf coverage.
   1. indemnity
   2. endorsement
   3. transfer
   4. deductible
2. Based on a typical HO policy, which of the following assets should be insured with a separate personal effects policy or endorsement?
   1. A coin collection valued at $1,450.
   2. A grand piano valued at $2,000.
   3. A shotgun valued at $3,000.
   4. Each of these assets should be insured using a personal effects policy.