What Are Endorsements In Homeowners Insurance? 
Endorsements are amendment forms that change the terms and conditions of a basic insurance policy , in this case , a Homeowners ' policy . I 'll give you an example to illustrate . Most Homeowners ' policies exclude coverage for damage caused by earth movement . This can be anything from an earth quake to a sink hole to any form of erosion . In most cases , this coverage can be added by amendment to the policy by attaching an endorsement that would extend coverage for this type of loss . One coverage exclusion that can never be added by endorsement to a Homeowners policy is Flood . Only a separate Flood Insurance policy will protect you for that type of loss . 