General Concepts
Endorsement
A written modification to a policy that adds, removes, or changes coverage — same as a rider.
Last reviewed: May 2026 · Editorial methodology
Definition
A written modification to an insurance policy that adds, removes, or changes coverage. Also called a rider. Common endorsements include scheduled personal property riders for jewelry or art, water backup coverage, earthquake endorsements, and service line coverage. Always request endorsements in writing and verify they appear on your declarations page at renewal.
Where this term matters
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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