Standard homeowners policies are designed to meet the coverage needs of many insureds. But rarely does a policy address all exposures without modification, and sometimes, insurers too have underwriting requirements that require modification. Endorsements are used to address these needs and may impact the policy's coverage in significant ways.

This course addresses some of the more important homeowners endorsements used in the 2011 and 2022 editions of Insurance Services Office, Inc. (ISO), homeowners forms. These endorsements make changes that are needed frequently enough-by either the insured or the insurer-that standard language has been developed for them.

On completion of this course, students will be able to

• describe the property and liability endorsements that can eliminate many of the homeowners policy's coverage gaps;
• describe the exclusions and limitations for business-related losses under the homeowners policy and explain how the hme-based business endorsements can be used to cover these types of loss exposures; and
• identify and describe endorsements that insurers may use to restrict the homeowners policy's property and liability coverages in some circumstances.

Property/casualty insurance producers