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in this video weamp;#39;re gonna go over homeowners insurance endorsements so in our last homeowners Returns basic video we went over the main coverages on the structure and main coverages on the insurance policy and today weamp;#39;re gonna discuss this stuff in the middle of the endorsements so we talked about what it is how does it work what the typical endorsements are what do they cover letamp;#39;s start off with most homeowners insurance policies start with a basic form so insurance policies a contract and most start with a basic contract form it just lays out the contractual obligation between the insurance company and the homeowner essentially what the company will do in case of a claim or a loss most policies are built starting with that basic contract and almost all companies use that same basic contract essentially itamp;#39;s the foundation of the policy and then from that basic contract theyamp;#39;ll add or offer endorsements to change that basic contract so this is