# Property & Casualty Exam Prep 11, Exclusions and Endorsements

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-11-exclusions-and-endorsements
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-11-exclusions-and-endorsements.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-06-13T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/986463cd-c89b-4fc6-89c8-d104ad69f433.mp3
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Duration seconds: 163

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Exclusions are provisions that narrow coverage by removing specific perils or property from the base policy. - Endorsements are written modifications used to add, remove, or change the terms of a standard insurance contract. - When there is a conflict between the main policy and an endorsement, the endorsement's language always takes precedence. - Exam questions often test how an endorsement can add coverage for a peril that is specifically excluded in the base policy, such as sewer backup. - Scheduled Personal Property Endorsements are used to insure high-value items for their full appraised value, overriding standard sub-limits found in the policy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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