{"id":2496,"date":"2011-06-26T16:34:23","date_gmt":"2011-06-26T23:34:23","guid":{"rendered":"https:\/\/blog.answerfinancial.com\/?p=2496"},"modified":"2020-01-21T15:03:46","modified_gmt":"2020-01-21T23:03:46","slug":"when-do-i-need-a-special-endorsement-or-separate-coverage","status":"publish","type":"post","link":"https:\/\/blog.answerfinancial.com\/when-do-i-need-a-special-endorsement-or-separate-coverage\/","title":{"rendered":"When do I need a special endorsement or separate coverage on homeowners insurance?"},"content":{"rendered":"<p>There are certain situations or certain items in your home that have specific limits on the amount for which you would be covered under \u201cstandard\u201d homeowners insurance. For most people, these limits are adequate. However, if you have a home office or a collection or a lot of jewelry, standard coverage may not be enough for you. That\u2019s when you can add an \u201cendorsement\u201d on your policy to provide the extra coverage you need.<\/p>\n<p><strong>Home Office:<\/strong><\/p>\n<p>If you work out of your home, you probably have more business equipment (computers, fax, printers, phones) than what your standard homeowners insurance will cover. If so, then you will want to purchase a low-cost Home Business Endorsement.<\/p>\n<p><span style=\"text-decoration: underline;\">Most standard policies<\/span><\/p>\n<ul>\n<li>$2,500 in coverage for business property in your home<\/li>\n<li>$250 for business property that is lost, stolen or destroyed when you&#8217;re away from home<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Home Business Endorsement<\/span><\/p>\n<ul>\n<li>$50,000 to $70,000 worth of coverage for your business property<\/li>\n<li>Higher liability coverage in case a client is injured in your home<\/li>\n<\/ul>\n<p><strong>Jewelry, Works of Art, Coin Collection, Etc:<\/strong><\/p>\n<p>If you are a collector, your standard homeowners policy probably will not offer enough coverage to protect you from loss. In this case, you would want to add a Personal Articles Floater or Endorsement to increase your coverage.<\/p>\n<p><span style=\"text-decoration: underline;\">Most standard policies<\/span><\/p>\n<ul>\n<li>$200 for money, gold, silver and platinum (other than jewelry or flatware), coins, bank notes and medals<\/li>\n<li>$1,000 for securities, deeds, stamps, manuscripts, tickets and valuable financial papers<\/li>\n<li>$1,000 to $2,000 for jewelry, watches, furs and precious or semi-precious stones<\/li>\n<li>$2,500 for silverware, goldware, pewterware, silver-plated or gold-plated ware<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Personal Articles Floater or Endorsement<\/span><\/p>\n<ul>\n<li>A Personal Articles Floater extends the amount of coverage for your articles, such as furs, fine art and jewelry. It also covers loss resulting from perils not included in your homeowners policy such as, accidental loss.<\/li>\n<\/ul>\n<p><strong>Earthquake and Flood:<\/strong><\/p>\n<p><span style=\"text-decoration: underline;\">Standard policies<\/span><\/p>\n<ul>\n<li>Damage due to earthquakes, floods or even hurricanes in certain areas is NOT covered under a standard homeowners insurance policy.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Separate Coverage<\/span><\/p>\n<ul>\n<li>You need to purchase a separate policy if you want or need this coverage.<\/li>\n<\/ul>\n<p>For more information or answers to your questions regarding endorsements, floaters or separate disaster coverage, please call us at 1-800-258-5101 to speak to our licensed insurance professionals or head to <a href=\"https:\/\/www.answerfinancial.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">AnswerFinancial.com<\/a> for a free quote.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are certain situations or certain items in your home that have specific limits on the amount for which you would be covered under \u201cstandard\u201d homeowners insurance. For most people, these limits are adequate. However, if you have a home office or a collection or a lot of jewelry, standard coverage may not be enough&hellip;<\/p>\n","protected":false},"author":1,"featured_media":8081,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[423],"tags":[219],"class_list":["post-2496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home","tag-home-insurance"],"ic_custom":{"author_name":"admin","medium_thumbnail":"<img width=\"300\" height=\"200\" src=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2011\/06\/when-do-I-need-a-special-endorsement-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"special endorsement\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2011\/06\/when-do-I-need-a-special-endorsement-300x200.jpg 300w, https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2011\/06\/when-do-I-need-a-special-endorsement.jpg 700w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>","author_link":"https:\/\/blog.answerfinancial.com\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>When do I need a special endorsement on homeowners insurance?<\/title>\r\n<meta name=\"description\" content=\"If you have a home office or a collection of jewelry, standard coverage may not be enough for you. That\u2019s when you can add an \u201cendorsement\u201d\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/blog.answerfinancial.com\/when-do-i-need-a-special-endorsement-or-separate-coverage\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"When do I need a special endorsement on homeowners insurance?\" \/>\r\n<meta property=\"og:description\" content=\"If you have a home office or a collection of jewelry, standard coverage may not be enough for you. 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