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What’s an Insurance Endorsement?

Published: June 2017

An endorsement is something that changes your base insurance policy. For instance, if you choose to purchase an optional coverage to broaden your insurance protection, it may be called an endorsement.

A common endorsement is scheduled personal property coverage, which you can buy to increase protection for specific types of belongings. This might be a valuable piece of jewelry, like an engagement ring, or expensive artwork

A standard homeowners, condo or renters insurance policy usually offers restricted coverage for certain types of belongings. A scheduled personal property endorsement may provide higher coverage limits for a specific item (usually up to the item's appraised value) and protect it against additional risks. For instance, if you drop your diamond ring down the drain and are unable to retrieve it, a standard property insurance policy probably won't provide coverage. But an endorsement may offer protection against an accidental loss like that.

Other types of endorsements may include water backup coverage and home day care coverage, which you may be able to purchase to supplement a homeowners insurance policy. On an auto insurance policy, you may be able to purchase an endorsement to provide expanded protection for a new car.

Watch our video for a quick and simplified look at an endorsement.

Video Transcript

What is an insurance endorsement?

An endorsement is something that changes a standard insurance policy. One type of endorsement is scheduled personal property coverage. This is an optional coverage you purchase to increase protection for something that's important to you, like an engagement ring.

Think of it this way: If your standard homeowners, condo or renters insurance policy is an ice cream sundae, a scheduled personal property endorsement is something you add to it – whipped cream, sprinkles or a cherry on top.

Like the sundae, your ring, or whatever you added the endorsement for, has increased coverage.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2019 Allstate Insurance Company, Northbrook, IL.
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