Which of the following are printed addendums to a contract that are used to change the policy's original terms, conditions, or coverages?

Endorsements are indeed the correct choice in this context. They are specific addendums or modifications made to an insurance policy that alter its original terms, conditions, or coverages. When an endorsement is issued, it becomes part of the policy and can add, delete, or change the coverage provided. This allows for flexibility in the insurance contract, enabling policyholders to customize their coverage to better suit their needs.

For instance, an endorsement might be added to cover a new type of risk not included in the original policy or to increase the coverage limit for a specific item. The process of adding an endorsement ensures that both the insurer and the insured have a clear understanding of the terms and any changes that have been made.

Other options, such as prospectuses, declarations, and conditions, serve different purposes within the realm of insurance. A prospectus typically provides an overview of the insurance product and isn’t an amendment to a contract. Declarations give information about the policy, such as the insured’s name, coverage details, and term, but do not themselves modify the terms. Conditions outline the responsibilities of both parties but do not serve as addendums. Therefore, endorsements are essential for formally implementing changes to an existing policy, which is why they are