Generally, buyers know they need insurance coverage — even theyaren't entirely sure what their risks are. Here are five of themost common endorsements (and explanations) that agents and brokerscan share with clients.

1. Additional Insured Residence Premises HO 0441

This form is designed for those who aren't residents of theproperty, but have an interest in the property. If parentsfinancially assist a child to purchase a home and want to be suretheir interest is protected in case of loss, this form allows themto be listed on the policy.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.