An insurance rider is an optional add-on to an insurance policy that provides additional coverage for specific items or events that are not included in the standard policy. Riders can be added to many types of insurance policies, including health, life, and property insurance.

Examples of insurance riders include coverage for high-value items like jewelry or art, coverage for additional drivers on a car insurance policy, or coverage for flood damage on a homeowner’s insurance policy. Adding a rider to an insurance policy usually involves paying an additional premium.