Optional Coverages
You can purchase optional coverage to add to your policy. They are called endorsements or sometimes
"floaters". Some common endorsements:
Inflation Guard Endorsement
Guaranteed Dwelling Endorsement
Guaranteed Contents Endorsement
Other Structures Endorsement
Sewer and Drains Endorsement
Scheduled Personal Endorsement
Blanket Endorsement
Increased Limits on Money and Securities
Secondary Residence Premises Endorsement
Home Daycare Endorsement
Business Pursuits Endorsement
Home Business Endorsement
Personal Injury Endorsement
Income Property Endorsement
Ordinance and Law Endorsement
Watercraft Endorsement
Theft Coverage Protection Endorsement
Credit Card Forgery and Depositors Forgery Coverage Endorsement
Earthquake Insurance Endorsement
Windstorm Coverage
Flood Insurance: Should be required by your lender if your home is located in a flood plain. Depending
on where you live you may qualify for flood insurance through the National Flood Insurance Program
(NFIP). They can be reached at 1-800-638-6620. Flood insurance covers direct physical damage to the
main home and its foundation and erosion damage. It does not cover structures extended over water and
structures other than buildings such as pools and gazebos. For a matrix of coverages : Click here
For more information on policy types: PA Insurance Department
This web site may contain concepts that have legal, accounting and tax implications. It is not
intended to provide legal, accounting or tax advice. You may wish to consult a competent
attorney, tax advisor, or accountant. It is intended for informational purposes only.
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