Definition
A title endorsement is a rider or amendment to your title insurance policy modifying coverage, adding protections, or clarifying specific coverage. Endorsements expand standard policy to address particular risks.
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Title endorsements address specific coverage needs beyond the standard policy. Common endorsements cover post-policy improvements, remove exceptions from the insured property description, provide coverage for specific easements or liens, or address concerns specific to the property type or transaction. Endorsements are negotiated during underwriting and must be issued before closing. Some endorsements have additional premiums.
Pro Tip
Ask your title company about available endorsements that address your specific concerns.
Example
A lender requires a specific endorsement ensuring title insurance covers a recent survey boundary, which isn't covered by the standard policy.