An endorsement, also known as a rider or add-on, modifies a standard home insurance policy to provide additional coverage or adjust existing coverage. There are many endorsements that you might consider adding to your home insurance policy. Here are just a few that we at M8 Insurance see many Salt Lake City, UT residents choose.

Scheduled Personal Property Endorsement

A scheduled personal property endorsement helps insure high-value items like jewelry, art, or collectibles. Standard home insurance often has limits on personal property coverage, which might not fully cover these expensive items. With a scheduled personal property endorsement, you can ensure that valuable possessions are adequately protected.

Flood Insurance Endorsement

A flood insurance endorsement can safeguard against water damage caused by flooding or other atypical water patterns, sometimes including mudslides. Standard policies typically exclude flood damage.

Sometimes, Salt Lake City, UT residents feel like flood insurance is unnecessary because they aren’t near a coast or the Salt Lake. Even small waterways, such as brooks and streams, can flood. 

Because streams can flood, the need for a flood endorsement is highly localized to your specific policy. We at M8 Insurance can help you check whether this is a protection you should add.

Home Business Coverage Endorsement

For homeowners running a business from their residence, a home business endorsement extends the coverage of a standard home insurance policy to include business-related equipment and liabilities. It’s an important consideration for a home-based business, as typical policies don’t cover business-related risks.

Add Protection With Endorsements

If you’re in Salt Lake City, contact us to see what endorsements you may want added to your home insurance. One of our agents will help you choose the protections that suit your situation.