A form attached to an insurance policy alters the policy’s coverage, terms, and/or conditions.
Used to cover hazards not listed in standard home insurance plans, a rider or endorsement “rides on” those basic insurance plans, adding a set of terms and conditions for specific, previously uninsurable situations.
The hazards included must be listed in the policy by name, and the cost of insuring each risk must be added to the price of the premium.
Examples of home insurance riders or endorsements include sewage backup, home business-coverage, and recreational vehicle endorsement.
