What Is A Rider On Homeowners Insurance? 
A rider , in this case attached to a Homeowners ' policy , will somehow alter the standard terms and conditions of that policy . One example is a jewelry rider which is used to specifically insure a piece of jewelry to it 's appraised value . Ordinarily unscheduled jewelry can be covered in a standard contract , but the loss causes that are covered can be more limited than those provided in the rider . Another example is a rider to include Earth Movement as a covered peril . This is typically excluded from a Homeowners ' policy but the coverage can be included by use of this rider . 