The short answer
An endorsement (also called a rider) is an amendment to the base policy — adding coverage, removing coverage, or clarifying language. Common home endorsements: scheduled personal property (jewelry, art, guns), water backup, service line, ordinance or law, equipment breakdown, and extended replacement cost. Each adds premium; several are high-leverage.
Frequently asked
- How do I know what I already have?
- Declarations page lists endorsements by form number — request the actual forms if unclear.
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