Additions to property insurance that provide extra coverage for unforeseen issues are called what?

The correct term for additions to property insurance that provide extra coverage for unforeseen issues is commonly known as endorsements. Endorsements modify the primary insurance policy by adding coverage, changing its terms, or specifying exclusions. They are crucial for policyholders looking to tailor their insurance to meet specific needs that might not be covered under the standard policy.

While the term "riders" is sometimes used interchangeably with endorsements, it often refers specifically to additional coverage for a particular risk, or a specific type of coverage related to life or health insurance. Supplemental policies refer to additional insurance policies purchased to enhance coverage but do not specifically reference the changes made to existing policies. Aggressive policies are not a recognized term within the context of property insurance.

Thus, understanding that endorsements are designed to expand or clarify the terms of the existing policy ensures a comprehensive grasp of insurance practices related to property.