Insurance Tip for the Week: Determine if You Need a Rider

Did you purchase your home owners insurance and then never looked back? Well, maybe it is time for you to dig that home owners insurance policy out. If you own certain expensive items, such as jewelry, Oriental rugs or home office equipment, more than likely you will need a rider on your homeowners insurance policy. A rider is like a mini-insurance policy added to your current home owners insurance policy and it will give added protection to certain items that may be excluded or have low limits on your home owners insurance policy.