A home insurance endorsement is a change to the policy that modifies or endorses the existing policy without having to renew or replace it. Homeowners insurance endorsements can also be called riders or add-ons. They are optional coverage types that enhance your policy, usually at anadded cost...
Earthquake insurance:A standard Washington home insurance policy does not typically include earthquake coverage. You can often purchase earthquake coverage as a home policy endorsement or a separate policy. Not all carriers provide earthquake insurance, but there are companies that specialize in the cover...
Extra Coverage: This is Lemonade’s endorsement for valuables like jewelry, musical instruments, artwork, cameras, and bicycles. These items typically have limited coverage under a standard home insurance policy, so this additional coverage will help with accidental damage and losses and cover the app...
Over the last several years, an increasing number of Floridians have had trouble finding affordable home insurance. For many Florida homeowners, the only affordable option is Citizens, the state's insurer of last resort. Chubb and Amica are among the best home insurance companies in Florida, acc...
Understanding Your Homeowners Insurance Policy Explore the different types of homeowners insurance policies and learn what each one covers, helping you choose the right protection for your home.
Home Business.A standard homeowner’s policy provides a very limited amount of protection for personal property used for business purposes. If you run a business out of your home, a “permitted incidental occupancies” endorsement protects business equipment and also protects you from liability if ...
part of the renovation, you might need to bump up your personal property coverage limits. Say you build an addition to exhibit a collection of art or comic books—and then add to the collection. Any new, valuable items might need additional coverage in the form of a floater orendorsement....
Learn more about homeowners insurance and termite damage. Water damage Maybe. It depends on the type of water damage. Most home insurance policies won’t cover floods, for example. They won't cover damage from a backed-up drain or sewer unless you've paid for that endorsement. But if a ...
Most standard home insurance policies do not cover earthquake damage. However, many major home insurance companies offer earthquake insurance as an endorsement to standard homeowners coverage or as a standalone policy. According to theArizona Geological Survey, Arizona experiences hundreds of small earthqu...
A wildfire endorsement is a great way to get more robust coverage. Floods: It’s worth considering an add-on or separate insurance policy for snowmelt and the flood damage it can leave behind. Scheduled personal property protection: If you work from home and have an expensive office setup ...