Customize Your Homeowners Insurance with Endorsements
Add extra protection where you need it.
Your home is more than just a house, it's also the sum of things that personalize it and make it uniquely yours. Homeowners, renters or condo owners insurance protects the financial investment you have in your home and its contents.
Homeowners insurance also includes limited coverage for certain types of personal possessions such as jewelry, sporting goods, art, antiques and other precious items. For some individuals the base coverage is sufficient. For others, additional insurance may be necessary. This additional coverage is added with endorsements.
Insurance coverage to meet your needs
Endorsements change specific terms of your policy such as limits, or what hazards are insured against. They allow you to add coverage for any valuable possessions or special situations. If, for example, you purchased or inherited some valuable jewelry, an endorsement could increase the level of coverage for that item. Or, if you run a business from your home, an endorsement may be necessary to cover related business risks.
Some common endorsements to a homeowners, renters or condo owners insurance policy include:
- Home Office, School or Studio
- Scheduled Personal Property
- Home Day Care
- Earthquake and Volcanic Eruption
- Back-up of Sewer and Sump Pump Overflow
- Vacant Home
- Personal Property Replacement
One of the most common endorsements is Scheduled Personal Property coverage. This is used to cover expensive personal items such as jewelry, sporting goods, art, antiques or other unique items. Your insurance agent can work with you to tell you what you can cover with this endorsement.
Adding an endorsement may have an additional cost, but you can be assured that your possessions – or activities – are properly protected against financial loss.
Make sure your homeowners, renters or condo insurance perfectly matches your needs. If you have questions about your existing coverage or if you need to enhance it with endorsements, see your nearest American Family Insurance agent for assistance.