What must an insured do to modify their insurance policy?

To modify an insurance policy, the insured must contact their insurance agent for an endorsement. An endorsement is a formal change or addition to an existing insurance policy and is essential for altering coverage limits, adding new insured items, or modifying terms. The insurance agent serves as the direct point of communication between the insured and the insurance company, facilitating the necessary changes.

While options such as filing a lawsuit or waiting for the annual renewal period may be relevant in different contexts, they do not typically apply to the routine process of modifying an existing insurance policy. Additionally, notifying the underwriter directly is not standard practice; the agent is responsible for communication regarding policy modifications. Therefore, reaching out to the insurance agent is the appropriate step for policy alterations.