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Texas insurance glossary

Endorsement

An endorsement is a document that changes a policy — adding, removing, restricting or clarifying coverage — and becomes part of the contract once it is issued.

Sources checked

It is how a policy is amended without being rewritten: adding a vehicle, naming a driver, excluding one, scheduling an item, or attaching the terms a lender requires.

Because it forms part of the contract, an endorsement narrows cover as readily as it broadens it. A driver exclusion is an endorsement; so is a coverage the household is glad to have.

The declarations page lists which endorsements are attached, by form number. The form itself is what actually says what changed.

Sources: TDI — automobile insurance guide (CB020); TDI — home insurance glossary. Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Declarations page The declarations page is the summary at the front of a policy naming the insured, the vehicles or property, the coverages, the limits, the deductibles and the term.
  • Named driver policy A named driver policy is an auto policy that does not provide coverage for a person residing in the insured’s household unless that person is named on the policy.
  • Gap insurance Gap insurance pays the difference between what a totaled vehicle was worth and what is still owed on it, where the loan balance is the larger number.
  • Cancellation A cancellation is the termination of a policy during its term, by the insurer or by the policyholder, rather than at the end of the term.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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