By Jarrod Heil

¿Qué es un anexo de seguro, un endoso y un seguro flotante?

Los anexos, endosos y seguros flotantes pueden causar confusión a los novatos en seguros para el hogar. Pero una vez que entienda las facetas y capacidades que cada uno ofrece a su póliza de seguro para el hogar, verá que no son tan complicados después de todo.

While endorsements and riders are the exact same thing, floaters are extremely similar but slightly different.

Ok, now let’s break down each of the three pesky insurance terms so that you can better understand what each is and be able to implement them in your own home insurance policy if you need to.

What Is an Insurance Rider?

What Is an Insurance Endorsement?

What Is a Personal Property Floater?

More Common Types of Endorsements, Riders & Floaters Offered by Universal Property & Casualty

  • • Ordinance or law
  • • Fungi, wet or dry rot, or bacteria
  • • Increased theft coverage
  • • Replacement cost loss settlement
  • • Sinkhole loss coverage
  • • Additional interest
  • • Personal property replacement cost loss settlement
  • • Water back-up and sump discharge or overflow
  • • Additional insured
  • • Windstorm protective devices
  • • Premises alarm or fire protection system
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