Which endorsement modifies the Personal Auto Policy to address the needs of nontraditional households?

The endorsement that modifies the Personal Auto Policy to address the needs of nontraditional households is Joint Ownership Coverage. This endorsement is specifically designed to cover a situation where a vehicle is owned by more than one person who may not be part of the same traditional family unit. For example, it can be beneficial for individuals who might co-own a vehicle with friends, relatives, or partners who do not reside together but share ownership responsibilities.

This coverage recognizes the dynamics of modern living arrangements and ensures that all individuals who hold ownership are protected under the policy. It addresses unique situations, like vehicle sharing among roommates or co-owners, which might not be adequately covered under a standard personal auto policy.

In contrast, the other options either do not specifically pertain to nontraditional households or might focus on different aspects of coverage that do not enhance the policy’s adaptability to various ownership configurations in today's diverse social landscape.