Understanding homeowners insurance endorsements

Endorsements provide coverage for things not originally covered in your homeowners policy. The following are some of the homeowners insurance endorsements that you can add to your homeowners policy:

Home Media Equipment Endorsement

A typical home, condo or renter insurance policy offers limited insurance for electronics. The home media package endorsement helps you protect your TVs, computers, home theaters, cameras, mp3 players, cellphones, portable DVD and blue ray players and related equipment. You can buy the home media package in $2,500, $5,000 or $10,000 increments to cover most major home electronics. For more details, read Specialized Coverage for TVs, Computers and Other Home Electronics.

Adventure Equipment Endorsement

The Ameriprise Auto & Home Insurance adventure package offers coverage for your golf clubs, skis, bikes and fishing equipment. You get a number of attractive benefits from this innovative package, including:

  • No appraisals
  • No individual itemizations
  • No deductible
  • All-risk coverage
  • Claims paid at replacement cost value

For more information, contact us.

Water Backup and Sump Overflow Endorsement

If you have water and sump overflow in your basement due to a sump pump failure or sewer backup, you want to be sure your homeowners insurance will cover you. Water backup and sump overflow coverage is not included in a standard homeowners insurance policy. If you need it, you can add a water backup and sump overflow endorsement to your policy. Learn more about how you can minimize damage from a water backup or sump overflow.

One important thing to note: A water backup and sump overflow endorsement will not cover you if you experience a flood. You'll need to purchase a separate flood insurance policy to protect your home from flood damage.

Personal Injury Endorsement

Adding a personal injury endorsement to your homeowners insurance policy protects you against damages resulting from personal injury offenses against others, including:

  • False arrest
  • Detention
  • Imprisonment
  • Wrongful entry
  • Malicious prosecution
  • Wrongful eviction
  • Slander
  • Defamation of character
  • Libel
  • Invasion of privacy

Consider a personal injury endorsement your “sleep well tonight” protection.