The standard AI endorsement for owners reads it covers the AI for “your” acts or omissions.

I always endorse 1million in liability (unless they don't want it) again many different options in policies.

Some carriers will also offer an endorsement that lowers premium if you agree to use modernized versions of repair methods (i.e. drywall instead of lathe and plaster) - these are cost savings to them in the event of a claim so make sure you get a lower premium for it.  

How is that for an endorsement?

I have 0 business with James, I have 0 motive for saying this endorsement and example other than it's the truth of it.

I endorse Phil Dwyer's meetup, as does Robert Adams -- next one:  https://www.meetup.com/Henderson-Real-Estate-Investors/events/236533849/ 

A policywith a higher premium may be a better deal if it does not have a wind deductible.There are many endorsements that are available on the homeowner policy.

This is a quote from a guy who was highly endorsed here on BP, and @J Scott is one of his long-time clients.  

Those do not place any burden on any lender or their right to enforce the note, jointly or severely with any maker, endorser or guarantor.

You have the homeowner get rid of his insurance and you have them replace it with a commercial policy or a dwelling policy with the endorsements you need.