Endorsements (sometimes called riders in casual talk) are part of the contract. If it’s not on the policy or endorsement schedule, don’t assume it’s covered. Always read new endorsements when you renew or change coverage.
Endorsement
- What it means
- A written change added to an insurance policy that alters coverages, limits, or conditions from the base form.
- Tennessee example
- A Memphis homeowner adds an endorsement to schedule a valuable instrument so it's covered above the default jewelry/electronics sub-limit.
- Why it hits your wallet
- The base policy isn't the whole story — endorsements can add, remove, or reshape what you're actually buying.