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Principles of Risk Management and Insurance, 13th Edition by Michael McNamara, George E. Rejda

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Endorsements to a Homeowners Policy

Some property owners have special needs or desire broader coverage than that provided by a standard homeowners policy. Numerous endorsements can be added to a homeowners policy to meet individual needs, including the following:

  • Inflation guard endorsement

  • Earthquake endorsement

  • Personal property replacement cost loss settlement endorsement

  • Scheduled personal property endorsement (with agreed value loss settlement)

  • Personal injury endorsement

  • Watercraft endorsement

  • Home business insurance coverage endorsement

  • Identity theft endorsement

Inflation Guard Endorsement

Many homeowners are underinsured because inflation has increased the replacement cost of their home. If a property loss occurs and you do not carry ...

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