Homeowners & Renters Insurance Riders
| Rider Name | What It Does |
| Scheduled Personal Property Rider | Covers specific expensive items (jewelry, fine art, watches) with no deductible. |
| Water Backup/Sump Pump Rider | Covers damage from sewer or drain backups (not in basic policies). |
| Home Business Rider | Provides limited coverage for a home-based business. |
| Ordinance or Law Rider | Pays for upgrades to meet current building codes when rebuilding. |
| Identity Theft Rider | Covers costs related to restoring your identity. |
Auto Insurance Riders
| Rider Name | What It Does |
| Roadside Assistance | Covers towing, tire changes, lockouts, and jump-starts. |
| Rental Reimbursement | Pays for a rental car while your car is being repaired. |
| Gap Insurance | Pays the difference if your car is totaled but you owe more than it’s worth. |
| Custom Equipment Rider | Covers custom parts like upgraded rims or stereos. |
| Rideshare Coverage | Fills the gap if you drive for Uber or Lyft and get into an accident. |
Life Insurance Riders
| Rider Name | What It Does |
| Accidental Death Rider | Pays more if you die in an accident. |
| Waiver of Premium | Keeps your policy active if you become disabled and can’t pay premiums. |
| Child Term Rider | Provides life insurance for your children under the same policy. |
| Accelerated Death Benefit | Lets you take part of the death benefit early if you’re terminally ill. |
| Guaranteed Insurability | Allows you to buy more insurance later without a medical exam. |
Travel & Other Personal Riders
| Rider Name | What It Does |
| Trip Cancellation for Any Reason | Lets you cancel your trip for almost any reason and still get reimbursed. |
| Adventure Sports Rider | Covers risky activities like scuba diving or skiing (often excluded). |
| Pet Injury Rider (Auto) | Pays for vet bills if your pet is injured in a car accident. |
| Personal Cyber Protection Rider | Covers you from identity theft, cyberstalking, and online fraud. |
Common Exclusions by Policy Type
| Policy Type | Common Exclusions |
| Homeowners | Flood, earthquake, mold, termites, wear and tear, ordinance/code upgrades. |
| Renters | Same as homeowners, plus roommates’ belongings and business equipment. |
| Auto | Intentional damage, racing, using the car for business (unless added), wear and tear. |
| Life | Suicide within 2 years, fraud on the application, some high-risk hobbies or travel. |
| Travel | Pre-existing medical conditions, war/terrorism, traveling against government advice. |
Optional Add-Ons (Bundled or Separate)
| Add-On | Who It Helps |
| Umbrella Insurance | Anyone who wants extra liability protection beyond auto/home policies. |
| Earthquake or Flood Coverage | Required for people in high-risk areas. |
| Legal Expense Coverage | Helps cover legal fees for things like property disputes or family law issues. |
| Pet Insurance | Pet owners who want to avoid surprise vet bills. |
| Home Cyber Protection | Those who work from home or store sensitive info on personal devices. |