What endorsement can help reduce monthly premiums by adding protective measures such as security and surveillance systems?

The Protective Safeguard Endorsement is designed specifically to reduce the risk associated with property losses by encouraging policyholders to implement security measures. By installing systems such as burglary alarms, fire alarms, or surveillance cameras, the endorsement reflects a proactive approach to loss prevention. As a result of the reduced risk, insurance companies may offer a discount on premiums, effectively lowering the monthly cost for the insured.

This type of endorsement recognizes the financial benefit of taking steps to minimize potential losses, hence providing incentives for property owners to invest in enhancing the security and safety of their property. In contrast, other options do not directly address security systems or protective measures in the same manner, focusing instead on different aspects of insurance coverage.