Insurance terms and definitions, for us common folk: Endorsements

Endorsement- sometimes called a rider, is an amendment to an existing insurance contract that changes the terms of the original policy.

You would use this when you need additional coverage; it adds or includes coverage that would otherwise be excluded on your policy.

An endorsement can expand the scope of existing coverage, so if you just so happen to have ‘The Heart of the Ocean’ necklace in your jewelry box, you might want to consider adding an endorsement to your homeowner’s policy to protect this item.

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