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

Home Insurance →Auto Insurance →

Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

RiderAn optional add-on that modifies or expands an insurance policy — same as an endorsement.Declarations PageThe summary page ("dec page") of your policy listing coverage limits, deductibles, premium, and insureds.
Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
CF

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 June 2026

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