What is an insurance certificate?

An insurance note also called an additional clause, is a change to your insurance policy that adjusts your insurance coverage. Adding a note to your existing insurance contract usually means adding or changing insurance coverage. For example, if you purchase optional coverage to extend your insurance coverage, this can be called confirmation.

One common confirmation is the planned personal property coverage, which you can purchase as additional coverage for certain types of items. For example, you can have an insurance policy to insure a precious piece of jewelry like an engagement ring or an expensive piece of art.

Standard home, condo, or tenant insurance generally provides limited coverage for certain types of items. A planned personal property note can include higher coverage limits for a particular item (usually up to the item's estimated value) and protect it from further risk. For example, if you drop your diamond ring down the drain and can't get it back, standard home insurance probably won't provide protection. However, a backup can provide such protection against accidental loss.


If you add a note to your insurance policy, you can choose a lower or zero deductible in certain situations, for example by adding planned personal property coverage. However, your deductible will likely continue to apply to items that are protected by the personal property of your policy. Talk to your agent to make sure you understand when a deductible may or may not apply.

How long is a confirmation valid?

According to the National Association of Insurance Commissioners, a note is part of your insurance policy and generally remains in effect as long as your policy is in force. Some mentions may have a limited duration, as specified in your policy. You can also renew a confirmation if you renew your contract.

Other types of notices may include water supply and home daycare, which you can purchase in addition to home insurance. With auto insurance, you may be able to purchase a ticket to provide additional protection for a new car.
If you have questions about your backup options or want more information on how backups work, contact your local representative.