What are modifications to the regular contract in an insurance policy called?

Modifications to the regular contract in an insurance policy are referred to as endorsements. Endorsements are written provisions that amend the terms of the original insurance contract. They can add, change, or eliminate coverage or clauses within the policy, allowing for customization to meet the unique needs of the policyholder. For instance, an endorsement could provide additional coverage for specific items or adjust the policy limits based on new circumstances.

Understanding endorsements is crucial for both insurers and policyholders because they shape the coverage and responsibilities detailed in the insurance contract. This flexibility enables policyholders to tailor policies for their particular situations, which is an essential element of personal lines insurance.