1.
Homeowners Endorsements
Earthquake Coverage Endorsement
Earthquake coverage is excluded under Section I of a homeowners policy. Adding this endorsement removes the
exclusion and adds earthquake coverage which is subject to a deductible for each coverage under Section I.
Extended Replacement Cost on Dwelling (25% of Dwelling Coverage A) Endorsement
Pays a certain amount above the policy limit to replace a damaged home, generally 120 percent or 125 percent. Similar
to a guaranteed replacement cost policy, which has no percentage limits.
Personal Injury Endorsement
Adds coverage to the liability section of the homeowners policy during the policy period for the offense of false arrest,
malicious prosecution, wrongful eviction, libel, slander.
Ordinance or Law (increased limits) Endorsement
Pays for the loss of value of an undamaged portion of the existing building which must be demolished and/or removed
to conform with municipal ordinance, code, etc.
Personal Property Replacement Cost Endorsement
Property loss settlements under the homeowners policy are made on an actual cash value basis. When the replacement
cost endorsement is added, the loss settlement payment would be sufficient to replace the item for the cost at the time
of loss without deductions for depreciation.
Loss Assessment Endorsement
Will pay for your share of loss assessment charged during the policy period against you , as owner or tenant of the
“residence premises”, by a corporation or association of property owners.
Identity Theft Protection Endorsement
Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and
financial reputation. Usually has a sublimit, some common limits are up to $25,000.
Equipment Breakdown Endorsement
A unique coverage that extends to all of your essential home systems and personal Property due to loss by mechanical
or electrical breakdown.
Scheduled Personal Property Endorsement
The scheduled personal property endorsement is used to provide coverage for risk of direct loss for such items as
jewelry, furs, cameras, musical instruments, silverware, golfer's equipment, fine arts, postage stamps and rare coins.
Scheduled property can be insured for any amount the insured requires.

2. Increase Other Structures Limit Endorsement
This endorsement increases the limit under coverage B, Other Structures. The limit for unattached structures on the
residence premise would be increased, and the increase would be in addition to the limit already provided.
Inflation Guard Endorsement
When this endorsement is added to the policy, it increases the limit of coverage for A, B, C, and D. The insured selects
the percentage of increase for the year and the limits are automatically increased at certain dates throughout the year.
Animal Liability Endorsement
Will provide liability coverage for bodily injury or property damage claims which arise out of or are caused by an animal
owned by, or in the care, custody, or control of the insured.
Water Backup and Sump Overflow
Coverage in case your pipes or sewers back up into your house & overflow into the house. This is different from flood
insurance, and your homeowners insurance policy typically does not automatically cover this for you in your home.
Usually has a sublimit of $5,000 or $10,000.