• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US | (803) 470-1118
Home
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Bundled Auto & Home Insurance Quote
      • Instant Auto Insurance Quote
    • BondsImage of right arrow
      • Bond Request Form
      • Surety Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Get an Instant Business Insurance Quote Now!
    • Contractors Insurance
    • Flood
    • HomeownersImage of right arrow
      • Get an Instant Home & Auto Quote Now!
      • Get An Instant Homeowners Quote Now!
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Surety Bond
    • Trucking
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
    • LifeImage of right arrow
      • Family Life Protection FREE REPORT
      • Life Needs Income Replacement Calculator
      • Retirement Savings Calculator
    • Other
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Important Files
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Affordable Insurance Group
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Contractors Insurance CONTRACTORS

Learn about different health coverage options that fit your specific needs.

Read More
Recreational Insurance RECREATIONAL

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Home > Blog > What are Home Insurance Endorsements?
WEDNESDAY, OCTOBER 14, 2020

What are Home Insurance Endorsements?

Family of three, father and son playing soccer in the backyard while mom sits on the porch and watches

A basic home insurance policy can cover a lot of dangers that face you and your home. From damages to the physical structure and claims of bodily injury liability on your property, home insurance offers a range of coverages. Basic home insurance policies don’t cover everything, however. There are some items and accidents that are excluded from home insurance. Thankfully, you can purchase endorsements to tailor your home insurance policy to your needs.

Common Types of Home Insurance Endorsements

Useful and common types of home insurance endorsements include:

Scheduled Personal Property Endorsements

Also known as policy floaters, you can purchase home insurance endorsements to cover certain items of your personal property. Items like jewelry, furs, art and electronics are generally limited in home insurance coverage. An endorsement can help cover your valuable belongings in case of damage or loss. For example, if you have an engagement ring worth $6,000 but your home insurance policy only covers it for $1,000, an endorsement can help cover the difference. Depreciation is not taken into account for a scheduled personal property endorsement. Instead, you will receive compensation for a fixed value amount as agreed on your policy.

Personal Injury Endorsement

Many homeowners don’t realize that the liability insurance on their home insurance policy does not cover personal injury. While it covers bodily injury and property damage, it does not cover non-physical injuries. A personal injury endorsement provides coverage for claims against you or a family member concerning false arrest, wrongful eviction or entry, invasion of privacy, slander, defamation and more.

Earthquake Endorsements

An earthquake endorsement is only available through certain insurers and in certain locations. Most home insurance policies do not cover damages to your home or belongings caused by earthquakes, so an endorsement is sometimes available to cover this danger.

Water Backup Coverage

One of the other common exclusions on home insurance policies is damage caused by water. A basic home insurance policy may or may not cover water damage to your home or your belongings depending on the circumstances of the accident. Water backup coverage is a home insurance endorsement that covers water damage caused by sewage or sump pump backups. If your sewage system backs up and causes a burst and damages the interior of your home, for example, this endorsement can help cover the cost of repairs and replacements your home may suffer after the accident.

Also Read: Are There Items Not Covered by Home Insurance?

Get A Quote

Posted 3:15 PM

Tags: homeowners insurance, home insurance, home insurance endorsements
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2012

  • affordable insurance group(52)
  • insurance(43)
  • coverage(24)
  • home insurance(22)
  • auto insurance(17)
  • car insurance(16)
  • protection(11)
  • tips(9)
  • life insurance(8)
  • home(7)
  • life(7)
  • winter(6)
  • claims(6)
  • homeowner(6)
  • homeowners insurance(4)
  • loss(4)
  • weather(4)
  • safety(4)
  • policy(4)
  • repairs(3)
  • risk(3)
  • business insurance(3)
  • rv insurance(2)
  • options(2)
  • motorcycle insurance(2)
  • finances(2)
  • boat insurance(2)
  • quote(2)
  • flood insurance(2)
  • construction(2)
  • auto(2)
  • claim(2)
  • accident(2)
  • exclusions(2)
  • theft(2)
  • damage(2)
  • women(1)
  • prevention(1)
  • gaming systems(1)
  • autonomous vehicles(1)
  • home insurance exclusions(1)
  • transmission(1)
  • fraud(1)
  • loans(1)
  • requirements(1)
  • family(1)
  • class c vehicle(1)
  • renters insuance(1)
  • future(1)
  • cleaning(1)

View Mobile Version
Facebook
Twitter
LinkedIn
Yelp
ASI Homeowners of America National General Progressive Stillwater The Hartford The Main Street Travelers Zurich

Resources

Home About Us Get a Quote Make A Payment Newsletter Refer A Friend Contact Us

Contact Us

Affordable Insurance Group
  • Affordable Insurance Group
  • 6168 Saint Andrews Road
  • Columbia, SC 29212
  • O: 803-798-4499
  • F: 803-798-5100
  • E: info@affordableinsgrp.com
© Copyright 2020. All rights reserved.
Powered by Insurance Website Builder