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An endorsement is a change to your home insurance policy , such as the addition or removal of coverage.
For example, above-ground water and weight of ice, snow or sleet (Endorsement 42) coverage extends your protection in the event of sudden or accidental damage caused by the weight of snow or ice as well as rain or melting snow seeping in above ground through places like the roof, doors or windows
Premium increases could be due to reasons under your control, such as: