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Coverage may lack key elements

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Keeping home and automobile insurance policies up to date couldn’t be more important .
You might not have the coverage you think you have. Your insurance policy may have changed and you might not be aware of the changes.  Prices of items in the home as well as the home value might also have changed.  
Let me introduce the concept of endorsements, which are defined as: a clause in an insurance policy detailing an exemption from or change in coverage.   Endorsements are often part of the state law.
After our F-350 King Ranch truck was stolen from our driveway in late December 2010, the word endorsement took on an entirely different meaning to my husband and me when we filed our automobile and homeowner’s insurance claims.  
We had purchased an endorsement for the amateur radio equipment that was installed in the truck.
At that time, nothing was mentioned about any other endorsements being available. Thus, we were unaware that we needed an endorsement for items that were added to our truck after it was purchased.  
These customized items included the tool box, dash cover, bug shield and headache rack.  Our out-of-pocket expense for these items was close to $1,000.


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