7 Essential Home Insurance Riders You Need Immediately (Stop Wasting Money on Gaps)
Standard homeowners insurance policies often fall short in covering modern perils, leaving significant financial gaps. Riders—optional add-ons—address these vulnerabilities by expanding coverage for high-value items, excluded risks like floods or earthquakes, and increasing policy limits. Without them, homeowners risk catastrophic losses.
The financial rationale is clear: riders transfer unpredictable but potentially devastating risks away from the policyholder. Customizing coverage isn't just prudent—it's a necessity for safeguarding what's often a family's largest asset.