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hey everybody Tracy Wells again with Farmers Insurance Agency owner out here in Grayson Georgia back with another video today weamp;#39;re going to talk about homeowners insurance and what weamp;#39;re going to specifically concentrate on today are endorsements to the policy a lot of people will buy a homeowneramp;#39;s policy with the B Basics and they will tell the agent or if they go online that they just want the Bare Bones minimum theyamp;#39;re just trying to save money nothingamp;#39;s ever going to happen to me basically Iamp;#39;ve had people tell me this when I suggest you know other coverages to go with it which is an endorsement and weamp;#39;ll kind of get into that here in a second but theyamp;#39;ll tell me oh nothingamp;#39;s ever going to happen to me Iamp;#39;m good just give me the basics and the basics that comes with a homeowneramp;#39;s policy is coverage for the structure itself thereamp;#39;s going to be coverage for uh other structures which