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When you buy homeowners insurance, it includes the basics, such as coverage for your home’s structure, the contents inside your home, liability coverage for lawsuits and medical payments if someone is injured on your property. 

Although this is a good start, you may want to add extras. These are known in the home insurance world as homeowners insurance endorsements. 

There are several home insurance endorsement options available. The question is, which ones do you need and why? Here’s everything you need to know about homeowners insurance forms and endorsements.

Homeowners Insurance Endorsements

What is a homeowners insurance policy endorsement?

A homeowners insurance policy endorsement expands on the standard homeowners coverage by adding to or modifying the insurance policy. 

No two homes (or homeowners) are alike. Homeowners insurance endorsements allow you to customize your coverage based on your needs. 

For example, home insurance policies set coverage limits on the value of your personal property. What happens if you have an expensive collection of vintage watches that exceeds the amount your insurance company will pay you if they’re lost or stolen? 

You can buy a home insurance endorsement for the value of your special watches to make sure they’re fully covered if something goes wrong.

Home insurance endorsements also usually raise the cost of a homeowners insurance policy.

Common home insurance policy endorsements

An endorsement for your watches is just one on the list of insurance endorsements available. Some homeowners insurance endorsements add coverage for perils. 

Your standard home insurance includes protection against perils such as fires, hail and lightning. If you live in an area where earthquakes are possible, buying an earthquake endorsement ensures you’ll have the funds needed to repair or rebuild after a seismic event. 

Personal property replacement cost

Other insurance policy endorsements are related to your belongings, such as the vintage watch endorsement. They’re known as scheduled personal property and can cover anything from designer jeans, an expensive handbag collection, fine art or computer equipment. 

The personal property replacement cost endorsement premium home insurance cost is usually small and worth paying to ensure you and your property are covered if something goes wrong. 

List of home insurance endorsements

Your standard home insurance policy comes with exclusions and limitations on what is covered. You can find exclusions in Section 1 of your policy. 

Flood insurance and water damage caused because of a water backup aren’t typically included in a standard policy. Some companies may even be limiting hail or wind damage coverage. In other cases, the policy may have low coverage limits, such as $2,500 for items in your home office used for business purposes. 

The following list includes 25 of the most common home insurance endorsement codes that will expand standard coverage included on your homeowners policy:

  1. Cyber security -- Covers you against cyber fraud, such as cyberbullying and extortion.
  2. Earthquake endorsement -- Adds coverage for damages that occur due to an earthquake, landslide, volcanic eruption or any other type of seismic movement.
  3. Equipment breakdown -- Pays for the repair or replacement of appliances and systems including HVAC, water heaters, furnaces, washer and dryers, refrigerators, computers and more.
  4. Escaped liquid fuel remediation -- Increases the amount for cleaning up an oil or fuel spill in your home.
  5. Extended replacement value -- Pays for your home to be restored to its original condition, even if it costs more than the coverage limit. 
  6. Food spoilage -- Increases the amount paid to replace your refrigerated food if there was a covered peril event, such as a power outage from a snowstorm.
  7. Home business endorsement -- Increases coverage for your home office property and adds legal liability coverage. Most homeowners insurance policies only provide $2,500 for property and no business-related liability.
  8. Home daycare -- Adds liability insurance while you’re caring for others in your home.
  9. Home under construction -- Pays for the theft of building materials or damages while it’s under construction.
  10. Identity theft -- Pays for the costs incurred from identity theft and fraud, such as ID replacement, attorney’s fees and loss of income.
  11. Inflation guard endorsement -- Automatically increases your limit to keep up with inflation so you can rebuild your home at the current cost.
  12. Loss assessment -- Expands liability coverage to public areas in condos or dwellings that are part of a homeowners association.
  13. Loss of rent -- Reimburses you for the rent you lose if the rental portion of your home becomes uninhabitable during a covered loss, such as a fire.
  14. Mold and fungus -- Expands home insurance for damage and loss caused due to mold or fungus and pays for the cost of testing or replacing of items such as carpets and drywall.
  15. Ordinance -- Increases the limit of your homeowners policy for fees and expenses to bring your home up to code.
  16. Other structures increase -- Expands the limit on your policy for fences, detached garages and other structures.
  17. Personal injury -- Increases personal injury coverage by adding protection against slander, libel, false arrest, defamation and more.
  18. Replacement cost (personal property) -- Doesn’t deduct depreciation for your property based on the age of the item. You’ll be reimbursed for the cost of a new version of the lost item instead of the standard actual cash value. Actual cash value coverage reimburses you for what the property is valued after depreciation. Replacement cost gives you enough to buy new items.
  19. Scheduled personal property -- Covers named property, such as collectibles or expensive equipment or jewelry, for an agreed-to value.
  20. Secondary residence -- Expands your homeowners insurance to cover a second vacation home. It may be a cheaper alternative to buying a separate policy for the second home.
  21. Service line -- Pays for repairs to internet and phone lines, sewer pipes, water pipes, natural gas and electrical lines caused by wear and tear, breakdown or damage caused by rodents, insects or vermin.
  22. Tenant relocation -- Pays up to a certain set amount for a tenant to relocate if your home becomes uninhabitable because of a covered loss.
  23. Water or sewer backup -- Pays for water damage caused to your home’s interior or foundation because of a clogged or backed up sewer, sump pump or drain.
  24. Watercraft -- Adds property damage, liability and medical payments coverage for your boats or watercraft, whether in use, docked at a marina or stored on your property.
  25. Windstorm -- Adds coverage for hurricanes or severe winds.