> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Endorsement (rider)

> What an insurance endorsement or rider is, how it modifies your base auto or home policy to add, remove, or change coverage, and when it takes effect.

An **endorsement** (sometimes called a rider) modifies your base policy. Examples include sewer backup, scheduled jewelry, home business liability, identity theft, or equipment breakdown.

Endorsements often cost a few dollars to a few tens of dollars per month and can fill meaningful gaps standard forms exclude.

## Related terms

* [Exclusion](/learn/exclusion)
* [Sewer backup coverage](/learn/sewer-backup)
* [Declarations page](/learn/declarations-page)

## Further reading

* [NAIC — Consumer insurance resources](https://content.naic.org/consumer)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=endorsement)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=endorsement)


## Related topics

- [Declarations page](/learn/declarations-page.md)
- [Small business insurance](/learn/small-business-insurance.md)