Tailoring to Meet Coverage Needs

 Summary: The coverages of the American Association of Insurance Services (AAIS) standard homeowners forms (Forms 1, 2, 3, 4, 5, 6, and 8) are designed to provide the kinds of insurance protection that most homeowners will need. Circumstances in which coverage needs diverge can be obtained through endorsements to the policy. The most commonly required modifications of homeowners coverage are described. Endorsements that are limited to one or two states have not been included. Many endorsements were revised in 2011 or 2014, 2015. Endorsements that were added in 2007 are at the end of the article. Recent revisions are referenced in the specific endorsements that changed.