What does an endorsement in an insurance policy refer to?

An endorsement in an insurance policy refers to a modification or addition to the original policy. This can include changes to the coverage, terms, conditions, or limits of the policy. Endorsements are often used to add or remove coverage, adjust the policy limits, or clarify specific terms within the insurance contract. For example, if a homeowner wants to add coverage for a newly purchased valuable item, they would typically do so through an endorsement to their existing homeowners insurance policy. This flexibility allows policyholders to tailor their coverage to better meet their needs over time without having to create an entirely new policy.