What is a rider or endorsement on my policy?

A rider or endorsement is an addition to your standard homeowner's policy that provides extra coverage for specific items or situations not covered by the base policy. Common endorsements include coverage for jewelry, fine art, musical instruments, home-based businesses, and sewer backups. Riders cost extra but fill important gaps in your coverage. If you own valuable items like engagement rings or expensive electronics, scheduled personal property endorsements ensure they are fully covered without sub-limits.