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What is Rider?
A rider (or endorsement) is an add-on to a base policy that expands, limits, or modifies coverage. Riders are often used to schedule high-value items or add coverage for excluded perils.
Examples
- A jewelry rider covers a $15,000 engagement ring beyond the standard contents sub-limit.
- A water backup endorsement adds sewer and sump pump coverage.
- A business-use rider covers a home used partly for an in-home business.
Why this matters
ReadMyPolicy identifies gaps where a cheap rider would close a major exposure — and flags expensive riders that may be redundant.
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